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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.

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