Water Damage Exclusion — Ice Damage

Q

We have a commercial property insured under the CP 00 10 04 02 policy with special causes of loss form CP 10 30 04 02 attached. The Vermillion River was ice covered in January. The temperature went above freezing, causing the ice to break apart, and large chunks of ice damaged the exterior electrical outlets by the river which are connected to the main building. The insurer is relying on the water damage exclusion to deny coverage. Is that exclusion applicable in this situation?

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