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Insurance Coverage Q&A: Water Backup and ALE

When the water backup endorsement is added to a policy, does the limit affect any other coverages?

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My question is regarding sewer back-up or overflow of sump pump endorsement. If the insured has their policy endorsed for a limited amount for sewer back-up/sump overflow ($5000.00 for example) and the repairs exceed the limit along with the insured having to stay at a different location due to the sewage. Are they still able to collect for Loss of Use or does the contamination exclusion apply along with the $5000 Limit being exceeded? Thanks in advance for your reply.

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