A sewer and drain insurance policy endorsement can help insured's fully recover from backed up pipes and water damage. A sewer and drain insurance policy endorsement can help insured’s fully recover from backed up pipes and subsequent water damage. (Photo: Shutterstock)

Analysis brought to you by the experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question:  Our insured carries a Commercial Property Enhancement Endorsement, which provides $25,000 of coverage for backup of sewers and drains. The cause of loss form is Special CP 10 30 10/12. The insured carries $250,000 of contents coverage only.

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