The compressor in a six-year-old air conditioner burns out on a home insured on an open-perils form. The repair is:
Explanation
Open perils shifts the burden onto the insurer to name an exclusion, and wear and tear, deterioration and mechanical breakdown are among the exclusions the form keeps. A worn compressor is a maintenance cost rather than a fortuitous loss, so the claim fails on any homeowners form. Proving the absence of neglect does not help, because this exclusion does not turn on the insured's conduct.
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