When the flood waters rose in Mitchel's farm house, they reached an electrical panel, causing sparks to fly. The sparks, in turn, ignited a nearby wall, and the resulting fire burned down his house. The dwelling is covered by Mitchel's farm property policy against the special causes of loss. How does this coverage apply to this particular incident?

a$.$ Coverage applies to the fire damage that ensued from the flood but not to the flood damage that preceded the fire.

b$.$ The water exclusion does not apply, as this was not a plumbing leak, so the loss is covered.

c$.$ The water exclusion does not preclude coverage for this loss because electrical arcing was a concurrent cause, so the entire loss is covered.

d$.$ The water exclusion precludes coverage for this loss, which was proximately caused by the flood.