Póliza de Propietarios (HO)Pregunta 348 de 531
Lightning strikes the home's own service panel, the power dies and a $3,400 heat pump is ruined. The power failure exclusion:
a.does not apply to an on-site failure
b.bars it, the power having failed
c.applies unless a fire follows the strike
d.limits payment to the Coverage C sublimit
Explicación
That exclusion is aimed at power interruptions beginning away from the residence premises, such as a downed line or a utility outage. A lightning strike on the home's own service equipment is an on-premises event and lightning is a named peril, so the $3,400 heat pump is a covered loss. The answer quoting a Coverage C sublimit borrows a cap that has nothing to do with this exclusion.
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