The peril in question is excluded under IBC Form 4037. The insured should have purchased endorsement IBC Form 4076 in order to have more complete coverage and be indemnified for the damage caused by water seepage through the roof.

The other endorsements mentioned do not apply to this loss. Endorsement IBC Form 2305 excludes the products-completed operations hazard. Endorsement IBC Form 4055 covers flood damage resulting from dam breaks, ice jams, tsunamis, overflowing rivers and snowmelt. It does not in any way apply to water seepage through the roof. As for endorsement IBC Form 4056 which deals with sewer back-ups, it covers damage by water from the ground, such as the backing up or overflow of sewers, sumps or septic tanks. It does not extend to the backing up or overflow of roof drains.

Reference in Manual F513, 2^nd edition 2014:

Tome 2, page 79, section 5.4.10 - Avenant “Garantie des dommages causés par l’eau de toit” (BAC 4076)

Recueil de formulaires, page 144, 6. Exclusions B. Risques exclus (c) (iv)

Classification in the evaluation table for skill 05-513:

Subsection 3.1: Evaluate the scope of applicable coverage and endorsements in order to determine loss eligibility.

Settle commercial-lines property and civil liability insurance claims based on the client’s coverage

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