1. For an additional premium, we insure, up to $5,000, for direct physical loss, not caused by the negligence of any insured, to property covered under Section I caused by:

a. Water which backs up through sewers or drains; or

b. Water which overflows from a sump even if such overflow results from the mechanical breakdown of the sump pump. This coverage does not apply to direct physical loss of the sump pump, or related equipment, which is caused by breakdown.

This endorsement does not increase the limits of liability for Coverages A, B, C or D stated in the policy Declarations.

2. Special Deductible

The following deductible provision replaces any other deductible provision in the policy with respect to loss covered under this endorsement.

We will pay only that part of the loss which exceeds $500. No other deductible applies to this coverage. This deductible does not apply with respect to Coverage D - Loss of Use.

3. Section I - Perils Insured Against

In Form HO 00 03, paragraph 2.e.(2) under Coverage A - Dwelling and Coverage - B - Other Structures is deleted, with respect to coverage for loss caused by overflow of sumps, and replaced by the following:

(2) Inherent vice, latent defect;

In Form CO 00 15, this is subparagraph 1.b.(4)(b); in HO 17 32, this subparagraph 2.e.(2).

4. Section I - Exclusions

3. Water Damage is deleted and replaced by the following:

3. Water Damage, meaning:

a. Flood, surface water, waves, tidal water,overflow of a body of water, or spray from any of these, whether or not driven by wind; or

b. Water below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure.

Direct loss by fire or explosion resulting from water damage is covered.

(In Form HO 00 03, this is item 1.c)

All other provisions of this policy apply.