Thank you Amy, for your response. I received an answer on the Loss of Use for the sewer back up damage. Our Insurance Co's reply was the endorsement (water back up and sump discharge or overflow) is not a covered cause of loss on the "policy", and because they are paying us the limit amount stated on the "endorsement" ($5,000), and therefore the loss of use is included. I asked, if the damage from wind, coverd in the policy, hit the limited stated in section A-Dwelling, would we not also be covered under section D-Loss of Use. The answer was yes. Hmmm...what do you think of this?

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.