Thank you for sharing!

Your article was successfully shared with the contacts you provided.

My question is regarding an insured with an AAIS policy Form-3 (2.0). A tree fell on the power lines. The insured is claiming it shorted out some of their appliances. Would the exclusion under Coverage C apply of: 17. Sudden and Accidental Damage from Artificially Generated Electrical Currents – – However, “we” do not pay for loss to tubes, transistors, and similar electronic components. There is another area in the policy which states under EXCLUSIONS THAT APPLY TO PROPERTY COVERAGES: h. Power Disruption – “We” do not pay for loss which results from the disruption of power or other utility service, whether or not it is caused by a peril insured against, if the cause of the disruption is not on the “insured premises”. “We” do pay for direct loss that is otherwise covered by this policy which occurs on the “insured premises” as a result of the disruption of power.

This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis

Already have an account?
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].

FC&S Editors


Get Answers Directly From the FC&S Experts

Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.

Question of the Week

Insurance Coverage Q&A: Coverage Extensions and Deductibles ›

Does the deductible apply to coverage extensions?

Question of the Week Archive ›

Copyright © 2022 ALM Global, LLC. All Rights Reserved.