No opinions today. A holiday for most regular people. So it permits us to answer that age-old question: Is water from an overflowing toilet "Water that backs up or overflows from a sewer, drain or sump?"
Yes, according to Farmer's Insurance Company. (Apparently, according to their commercials, Farmers' policies cover obscure space junk falling onto your house, but not overflowing toilets. Which is a good business model, if you think about it. Though not so good for policyholders.)
The Court of Appeal agrees with Farmers.
Remember that the next time you see those commercials. "We are Farmers. Da-da-da-da-da-dump."