Final answer:
Water that backs up through sewers and drains generally is not covered under a standard DP-3 policy; separate endorsements are needed for this type of coverage.
Step-by-step explanation:
The DP-3 policy, commonly known as the "Special Form" homeowners insurance, does provide coverage for a variety of risks to a dwelling, including a number of weather-related events. However, when it comes to water that backs up through sewers and drains, causing damage, this is typically not covered under the standard DP-3 policy. Usually, for this type of water backup damage to be covered, a separate endorsement or rider would need to be added to the policy as standard policies typically exclude damage caused by water that backs up through sewers or drains. It is essential for policyholders to review their coverage with their insurance providers to understand fully what is and isn't included in their policy.