Insurer Zurich has moved to exclude damage caused by 'water backing up from any sewer, drain or ditch, or any surface water run-off' from future claims. Photograph: Alan Betson

Tens of thousands of homeowners could find themselves without cover for certain flood damage after one of Ireland’s largest insurers pulled the plug on cover for future claims.

Zurich, which provides protection for about one in seven Irish homes and businesses, has moved to exclude any dam

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