A squirrel entered a community center building that had just undergone a $2 million renovation. It either gnawed some wiring or otherwise came in contact with the electrical system, causing a major power surge. Three newly installed HVAC systems were severely damaged, along with parts of the boiler system. Estimated damage was $300,000. Is this covered by the ISO CP 10 30 Special Causes of Loss form? What about ISO’s HO-3 policy?
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