Our insured carries a commercial property policy (CP 00 10 04 02) with the special causes of loss form (CP 10 30 04 02) attached. The insured owns a car wash which has a boiler system connected to plastic piping. The piping runs inside the cement flooring to prevent the floor from freezing. The sole purpose of the boiler is to heat water to run through this piping.

The insured states that for some unknown reason the boiler shut down, possibly from an air pocket in the system or a power outage. The insured noticed ice forming in the bays after a couple of days. He checked the boiler and it was off.

There was no damage to the boiler, but the plastic lines that run inside the concrete flooring ruptured.