A

Because of the lapse in time between the lightning damage and the spoilage that is typical in the situation you describe, it is common to rule out coverage under forms promising insurance against direct physical damage. In other words, lightning is seen as the proximate cause of the damage to the equipment, but only as a remote cause of the spoilage. Change in temperature caused the spoilage, a loss that would not have happened had an attendant been on the premises.

Not so long ago, this loss would have been covered by the commercial property forms. At that time, although all risks forms excluded damage from changes in temperature, the exclusion did not apply if there was physical damage by a covered peril to equipment on the premises. This was changed when the simplified language forms were introduced and no exception to the changes in temperature exclusion was included.