Loss Examples

Retail

Computers damaged by power surge that came through data network lines. Surge suppressors were on electrical and communication lines but not on data network line.
Total Paid Loss: $30,800

A 120,000 BTU air conditioning system failed due to broken compressor rods. A new unit was installed on an expedited basis and system was returned to service.
Total Paid Loss: $3,757

A clothing and specialty store lost heat during the busy December shopping season when the boiler broke down. Portable electric heaters were used to provide minimal heat to the sales floor and rented offices on the second floor.
Physical Damage: $35,650
Extra Expense: $18,817
Total Paid Loss: $54,467

A voltage spike damaged a retail store's telephone system, printers and computer circuitry.
Total Paid Loss: $46,640

A compressor used in a large air conditioning system failed when a relief valve functioned and discharged all the refrigerant and oil from the system. The compressor continued to operate until it brokedown due to lack of lubrication.
Total Paid Loss: $97,125

An electrical power supply transformer for a clothing store was damaged due to arcing.
Physical Damage: $39,893
Extra Expense: $12,385
Total Paid Loss: $52,278

Store air conditioning failed when compressor rods broke due to metal fatigue. A rental unit was used to keep the store open during repairs.
Physical Damage: $28,472
Extra Expense: $14,349
Total Paid Loss: $42,821

Damage occurred to a store's electrical circuit breakers, store HVAC system and computers when rain leaked through roof onto equipment.
Total Paid Loss: $201,547

A department store's cast iron steam boiler overheated and was damaged because of a frozen water pipe which did not allow the feed water to enter the boiler.
Total Paid Loss: $28,854

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