For the period from July 2012 to July 2013, New Jersey Transit (NJT) had insurance policies that provided up to $400 million in coverage for property damage, but included a $100 million sublimit for losses generally "caused by flood." The damage to NJT property sustained during Superstorm Sandy came within the specific definitions in the policies of damage caused by "wind driven water" or a "storm surge" associated with a "named windstorm." Therefore, NJT's Sandy-related property damages do not fall within the general definition of losses "caused by flood," and are not subject to the $100 million flood sublimit.