Oil filled capacitors store electrical energy and are used in a variety of electrical applications. These electrical components can fail for a variety of reasons, causing fires, explosions and, consequently, significant damage to buildings and personnel.
Just as the sensitive electrical components themselves require special handling, so too do the p&c claims arising from their malfunction. When investigating a claim resulting from capacitor failure, the insurer will need to determine the cause and weigh potential subrogation opportunities. This process may involve soliciting various experts, including (but not limited to) mechanical and/or electrical engineers.
In this article, we will explore capacitor basics, as well as common reasons for failure, including defective manufacture, defective design, improper installation, shipping damage, or an intervening biologic source (such as a rodent coming into contact with an apparatus.)
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