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Flood In Progress

A flood that is in progress on the earlier of either:

a. The date the community in which the insured property is located first experiences a flood as defined in this policy; or
b. The date and time of an event initiating a flood that directly or indirectly affects areas downstream or in a floodway and ultimately results in the damage to the insured property. Events that may initiate such a flooding event include, but are not limited to, the following:
i. A spillway is opened;
ii. A levee is breached;
iii. Water is released from a dam; and
iv. Water escapes from the banks of a waterway (stream, river, creek, etc).
c. The applicability of this exclusion will be evaluated upon the assertion by a policyholder of the right to be paid for a loss under this policy.