We insure the local Chamber of Commerce on a commercial property policy, CP 00 10 04 02, with special causes of loss, CP 10 30 04 02. We have added to this policy the insurer's independent endorsement, "Property Coverage Enhancement for Non Profit Organizations."

One of the enhancements given by this endorsement is $10,000 coverage for "Water Backup of Sewers and Drains." This coverage reads as follows: "We will pay for the loss or damage caused by or resulting from water that backs up from a sewer or drain. We will pay not more than $10,000 in any one occurrence."

During a recent heavy rainstorm, the drains on the roof became clogged with dirt, leaves, and other debris. As a result, the water stood on the roof and seeped into the building at seams in the roof covering. An inspection by a reputable roofer found that the roof had deteriorated due to its age and this contributed to the leakage. However, he was able to clean out the drains and then the water drained from the roof as designed.