Our insured is covered under the building and personal property coverage form CP 00 10 with the special causes of loss form CP 10 30. There was a cessation of power off-premises that stopped operations, but caused no damage. However, when power was restored, a power surge did damage insured property. The insurer is denying the claim due to the power failure exclusion in the special causes of loss form.

Would this exclusion apply to these facts?

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