The insured sustained damages to their church due to water and sewage backing up through various drains located throughout the building, after a heavy rainstorm. The insured purchased Sewer and Drains Back-up Extension; BCP-135 NY (4.1) which states the following:

Sewers and Drain Back-up – We will pay up to the limit shown on the Schedule above for the covered property, for direct loss to covered property caused by water that backs up through sewers or drains.

Exclusions – Coverage provided by this endorsement does not apply if water backs up through sewers or drains and is caused by or associated with: