Dear Ms. Angel,
We have received your claims form No. 12345 in which you claimed USD4,600 for damage to your stock of packet goods by flooding in your premises.
I regret to inform you that we cannot pay compensation in this case as the damage was caused by factors outside the terms of the policy. If you check your policy, you will find that you are covered for flooding caused by rain or storms, and not burst water pipes within the premises.
If you still have doubts, I can send my man over to explain the present policy carefully to you. And if you like, he can introduce our All-risks policy that covers against any eventuality.