In this situation, the insured has their policy endorsed for a limited amount for sewer back-up/sump overflow ($5,000, for example) and the repairs exceed the limit along with the insured having to stay at a different location due to the sewage. Are they still able to collect for loss of use? Credit: Leonard/Adobe Stock In this situation, the insured has their policy endorsed for a limited amount for sewer back-up/sump overflow ($5,000, for example) and the repairs exceed the limit along with the insured having to stay at a different location due to the sewage. Are they still able to collect for loss of use? Credit: Leonard/Adobe Stock

PC360 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.

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