By paying for coverage on the backup of drains endorsement, is the loss of income coverage triggered because of a covered endorsement loss even though the policy coverage section doesn’t show back up as a covered peril of the policy? Credit: Petra Richli/Adobe Stock By paying for coverage on the backup of drains endorsement, is the loss of income coverage triggered because of a covered endorsement loss even though the policy coverage section doesn’t show back up as a covered peril of the policy? Credit: Petra Richli/Adobe Stock

PropertyCasualty360.com editor’s note: Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions.

What follows is a reader’s letter and analysis of the situation brought to you by our FC&S experts:

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