Please provide us with your opinion as to the intent of the HO 04 95 Limited Water Back-up and Sump Discharge or Overflow Coverage. Does this limit off-premises backup (the entire neighborhood's sewer effluent backing up through the insured's sewer line into their basement) or is it meant to limit an over-flow from a clog on the insured's premise by effluent created by the insured and simply is unable to leave the premise due to a clog on-premises and thus effluent overflows from the toilets, showers etc. on-premises?

New York Subscriber

The form states that coverage is for water that originates from within the dwelling and backs up through sewers or drains, or overflows from a sump pump or related equipment. So water from off of the premises that back-up through the sewers and drains into an insured's toilet or laundry tub, for example, would not be covered under this endorsement. The keyword here is originates; the water must originate from within the dwelling.