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Sump Pump and Water Backup Claim

One of the more common causes of claims we handle deals with sump pumps and applicable exclusions. In this case, the policy carries an endorsement that reads as follows:

The following coverage is added to your Businessowners Special Property Coverage Form:

Unless otherwise stated, payments made under the following coverage will not increase the applicable Limits of Insurance.

Subject to the Exclusions, Conditions and Limitations of this policy, you may extend this insurance as indicated. The most we will pay for direct physical damage is below the limit of insurance shown in the Declarations.

1. We will pay for loss or damage to covered property caused by water that backs up from a sewer or drain, subject to the following limitations:

We will not pay for loss or damage under this Additional Coverage caused by the emanation of water from a sewer or drain that itself is caused by, or is the result of “Flood,” surface water, waves, tides, tidal waves, overflow of any body of water, or their spray, all whether driven by wind or not;

A denial was issued as follows:

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