In Puerto Rico, we are having a drought period. As a result of this, the Puerto Rico Aqueduct and Sewer Authority have taken measures to save water and are shutting off the water for a period of time every 36 hours. Consequently, insureds often forget to check all faucets to ensure that they are properly "off" before leaving, causing damage to the insured premises.

Under various causes of loss forms attached to the commercial property policy, our insureds are submitting claims where someone has negligently left open a faucet, allowing it to overflow its basin and cause damage. We believe that even though there is no exclusion related to this damage under the named perils broad form, the definition of the peril limits it to "the breaking or cracking of any part of the system" (as a pipe).

Is there any coverage for this type of loss under any of the basic, broad, or special causes of loss form?