The basic cause of loss form does NOT cover water damage resulting from

• A. a burst pipe
• B. a roof leak
• C. damage from a sprinkler system
• D. an overflowing sewer

Answer: (D)

Under the basic cause of loss form, only the named perils are covered. Water damage isn’t included as a general risk unless it results from one of those listed perils or from a water-related peril specifically named in the form (such as sprinkler leakage). Overflow from a sewer is not one of the covered perils, so water damage from an overflowing sewer is excluded unless you add an endorsement. Burst pipes and roof leaks can be covered if their resulting water damage stems from a peril that the form covers (for example, a covered peril causing the damage, or sprinkler leakage which is explicitly included). Because sewer backups aren’t covered on the basic form, that’s why the overflowing sewer is the correct choice.