What it does
FP 04 02 covers direct physical loss to Coverages A, B and C property, and loss of use under Coverage D, caused by water that backs up through or overflows from a sewer or drain, or overflows from a sump, sump pump or related equipment even when caused by sump pump breakdown. It does not pay to repair the sump pump itself, and does not apply where an insured failed to maintain the pump.
Who needs it
Farm households with basements and sump pumps.
Quoting and selling notes
Offer it on every farm dwelling with a basement. It does not extend to barns and farm structures. Wording reviewed: 02 09 edition.
How it fits the farm policy
A farm program endorsement changes only the coverage forms named in its "this endorsement modifies" list. Everything else in the Farm Coverage Part keeps working as written: the FP 00 90 additional coverages, conditions and definitions, the causes of loss selected from FP 10 60, and the farm liability forms. When presenting a quote, list each farm endorsement with its schedule entries (insured location, building or item, limit, deductible) so the insured can see exactly where the base coverage was broadened or narrowed.
