Our client had a claim with for a commercial refrigerator that stopped working due to storm activity.
We managed the claim for our client and an assessor was appointed to determine the cause and nature of damage.
While confirming with Bureau of Meteorology that that was indeed storm damage in the area, the assessor advised there was no cover on the claim on the basis that a refrigeration compressor and fan motor are robust pieces of equipment not generally susceptible to voltage fluctuations. As such, they declined the claim due to wear and tear and the insurer was not prepared to consider other reasoning.
While not as common, we knew that power spikes due to lightning can cause damage to commercial refrigeration’s. As such we escalated this claim to the insurers managing for review. We provided evidence of the storm activity and the fact that the finding by the assessor was not definitive, rather they have commented generally and not based on the facts of this claim. As a result of our argument, the insurer accepted the damage to repair and also the subsequent loss of stock.
To find out more, speak with your local Reliance Partner.