Loss Examples

Shopping Centers and Retail Stores

Eighty percent of a shopping mall lost electrical power for five days when arcing at the incoming feeder switch damaged the electrical system.
Physical Damage: $176,132
Business Interruption: $58,234
Total Paid Loss: $234,366

The hermetic motor used for air conditioning at a shopping plaza broke down due to failure of the stator windings.
Total Paid Loss: $65,545

A compressor used in a large air conditioning system at a retail store broke down when a relief valve functioned and discharged all the refrigerant and oil from the system. The compressor continued to operate until its breakdown.
Total Paid Loss: $97,125.

A shopping center's air conditioning system broke down when a compressor motor shorted out due to insulation deterioration and blew a hole in the motor stator.
Total Paid Loss: $31,609

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

A department store's cast iron steam boiler overheated and was damaged because feed water could not enter the boiler.
Total Paid Loss: $28,854

Voltage spike damaged store phone system, printers and computer circuitry.
Total Paid Loss: $46,640

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

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

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

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