A flood is a flood, regardless of its cause.

This morning, the Louisiana Supreme Court issued a decision holding that a flood exclusion in a commercial-property policy applies to damage caused any flood, regardless of whether the flood damage resulted from human negligence (that is, negligence by the Corps of Engineers). This decision reverses the Louisiana Fourth Circuit’s decision rendered last November in the case, and is consistent with the U.S. Fifth Circuit' s decision last August that decided the same legal issue.