North Park Water Main Break: Flood Coverage and Liability

I don’t believe in accidents.   – Pablo Picasso



Flood waters submerged the San Diego neighborhood of North Park in the early hours of January 5, 2016, after a water main burst. Bewildered residents were left with submerged homes and saturated property after thousands of gallons of dirty water rushed through the neighborhood mercilessly. People have questions. Here are some answers.

Here’s my interview with FOX5 San Diego on the North Park Water Main Break: Attorney offers advice to North Park Flood victims.

North Park Water Main Break: Flood Coverage

Homeowners and renters policies exclude damage caused by “flood.”

“Flood” is understood as overflowing, surging waters affecting at least two different properties. In other words, the water damage is not restricted to one home; it is spread among many. The North Park Water Main Break is a classic example of a “flood” as understood in homeowners and renters policies. What that means is that the damage will not be covered under a homeowners or renters policy.

If you purchased flood insurance from the National Flood Insurance Program, then you should be covered.

If you car was damaged and you have comprehensive coverage, then make a claim with your auto insurance company. The damage to your car should be covered, but your insurance company will limit your recovery to the actual cash value of the car.

If you want more information on homeowners policies, read El Niño Cometh: Understanding your Homeowners Policy.

North Park Water Main Break: Flood Liability

If the North Park water main was maintained by the City of San Diego, you should bring a claim against the City of San Diego. Read this: How to File a Claim Against the City of San Diego. Pay attention to the requirements and time limits. If you don’t, you will lose your claim.

Don’t be surprised, however, if the City of San Diego denies your claim or, at best, pays you pennies on the dollar.

Questions? Contact Me for a free consultation.




Evan Walker

Evan W. Walker is a La Jolla attorney who has practiced law since 2008. He is licensed to practice in California, Connecticut, and Louisiana. His entire practice has been in litigation.

Evan is from a small town outside of New Orleans. He attended law school in New Orleans, which was interrupted by Hurricane Katrina. After evacuating to Houston, Evan graduated in 2008 as part of the ‘Hurricane Katrina Class.’

After graduation, Evan worked for a New Orleans insurance defense firm. He defended insurance companies against Hurricane Katrina lawsuits brought by homeowners and business owners.

In 2010, he and his wife moved to New Haven, Connecticut, so his wife could complete a medical residency at Yale. During the next few years, Evan worked for Travelers Insurance Company defending countless personal injury lawsuits.

In 2014, he moved to San Diego so his wife could complete a medical fellowship at UCSD. He then opened his own firm to represent people after years of defending insurance companies.

Evan is a Featured Faculty at Attorney Credits, a CLE company, and a regular contributor to various podcasts and publications. He has also been interviewed by San Diego television stations about his cases and practice.

Evan spent almost a decade as a defense attorney who defended insurance companies from personal injury and property damage lawsuits. He knows how insurance companies bully people and deny claims. And he knows how to fight them.

Bar Admissions: California Connecticut (inactive) Louisiana (inactive)

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