Computer Data Loss Covered by BOP?

Q

Our client, a tenant insured by form BP 00 02 12 99, had a loss to his computer hard drive and data, and also to his floppy drive, resulting in a need to repair and rebuild files. The loss was a result of a fire to the adjoining building. During the fire there was no power loss. However, the computer technical repairman who fixed the system stated “Concerning the immediate time proximity to the fire in the building directly adjacent to you, and the fact that the symptoms are consistent with those induced by a significant power surge, I conclude that your problems are a direct result of the fire and the power fluctuations it most certainly caused.”

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