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Bats in the Telephones, Lizards on the Lines
Sometimes Equipment Breakdowns Have the Most Unlikely Causes
Although there are many causes of equipment breakdowns, accidents involving animals always get people's attention. You might be surprised by how many breakdowns are caused by animals and how much the damage can cost.
PESTS IN NESTS
Electrical equipment is exposed outdoors, or in cellars and underground vaults. Boilers  in the basement and rooftop air conditioning units also attract birds, rodents, reptiles and other pests which may short out connections and nest inside equipment.
SQUIRRELS AND SNOW CONES
Some of the losses caused by animals are offbeat, but on the mark when it comes to explaining the financial risks. Equipment can break down for many reasons - many of which you don't expect and can't control. It's important to add broad equipment breakdown coverage from Hartford Steam Boiler.
- Snake Shuts Down City. A snake squeezed into a breaker box in a municipal utility substation, knocking out power to a city in a $342,707 equipment breakdown loss. Damage from electric arcing was so severe that temporary rental equipment was brought in to restore service. The paid loss included $260,954 for repairs and $81,754 for lost income.
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Religious Institutions
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LOSS EXAMPLES
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Water seeped into a conduit for electrical cables and shorted out a motor control panel for 10 air handlers in the air conditioning system. Cabling and components had to be replaced and rerouted.
Total Paid Loss: $23,680
Underground electrical cables serving a church shorted out, cutting off power to the building. A rental generator was installed and operated for several days until the cables could be replaced.
Physical Damage: $112,806
Extra Expense: $45,726
Total Paid Loss: $158,532
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LEARNING ZONE
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How do I write it?
Equipment Exposures by Occupancy
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