Homeowners Policy (HO)Question 316 of 474
Heavy rain overloads a public sewer and water backs up into a basement. On an unendorsed Homeowners policy the damage is:
a.excluded, and no endorsement can cover it
b.covered because rain fell in a storm
c.excluded without a back-up endorsement
d.covered as accidental discharge of water
Explanation
The water damage exclusion covers three ideas at once: flood and surface water, water below the surface of the ground, and water that backs up through sewers or drains, so the unendorsed policy pays nothing here. A water back-up endorsement can be added for a stated limit, which is why treating the loss as permanently uninsurable is wrong.
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