My question is regarding sewer back-up or overflow of sump pump endorsement. If the insured has their policy endorsed for a limited amount for sewer back-up/sump overflow ($5000.00 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 or does the contamination exclusion apply along with the $5000 Limit being exceeded? Thanks in advance for your reply.

South Dakota Subscriber

I'm looking at the ISO HO 94 95 Limited Water Back-up and Sump Discharge or Overflow Coverage endorsement, your form may be different. The limit in the form applies only to the coverage for water back-up; it does not change any of the other policy provisions, as stated in the last line: "All other provisions of this Policy apply."