We are going through a severe drought in Puerto Rico, and the insured is purchasing water at higher rates than he would have if he were to purchase it from the Puerto Rico Water and Sewer Authority.

The insured has a Commercial Package Policy, which includes ISO form CP 00 30 10 90, Business Income Coverage and Extra Expense, and CP 04 17 07 88, Off- Premises Power Failure Direct Damage. We find no drought exclusion under the causes of loss form, CP 10 30 10 90.

Is the extra expense incurred by the insured a covered extra expense loss?

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