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COMPREHENSIVE MUNICIPAL COVERAGE No-Fault Sewer Back-up and Water Main Break Coverage Endorsement($10,000 Limit) Section I, Coverage A, Municipal Liability Coverage, is amended to include no-fault sewer back-up and water main break coverage as outlined below. 1. No-fault sewer back-up coverage a. If all of the following four conditions are met,LMCIT will pay for claims presented by the city for sewer back-up damage to property of others which was not caused by city negligence: (1) The sewer back-up resulted from a condition in the city's sewer system; (2) The sewer back-up was not the result of an obstruction or other condition in sewer pipes or lines which are not part of the city's sewer system or which are not owned or maintained by the city;and (3) The sewer back-up was not caused by or related to a catastrophic incident. (4) The date of the occurrence giving rise to the claim for damages must be on or after the retroactive date shown on this endorsement. b. However,LMCIT will not pay for any damages or expenses: (1) Which are or would be covered under a National Flood Insurance Program flood insurance policy,whether or not such insurance is in effect;or (2) For which the property owner has been reimbursed or is eligible to be reimbursed by any homeowners' or other property insurance. 2. No-fault water main break coverage. LMCIT will pay for claims presented by the city for water main break damage to property of others which was not caused by city negligence. But LMCIT will not pay for any damages or expenses for which the property owner has been or is eligible to be reimbursed by any homeowners' or other property insurance. 3. Definitions For purposes of this endorsement,the following definitions apply. a. Catastrophic incident means any of the following: (1) Any weather-related or other event for which FEMA (Federal Emergency Management Administration)assistance is available; Sewer Toolkit Other Resources - 18