We are handling a claim for a golf course that suffered damage as a result of a recent storm. Insured has CP 15 45 04 02, Utility Services – Time Element, and CP 04 17 04 02, Utility Services – Direct Damage. Both forms have Power Supply to Property marked on the schedule. Insured lost power for seven days and suffered business income loss, which would appear to be covered subject to the period of restoration. Insured also spent $3,000 to bring in water trucks to save greens due to lack of power and also spent $2,260 for a generator to hook up to their irrigation system in an effort to save their greens. Would either of these costs be considered extra expenses or something else and covered under either form?

Florida Subscriber

Bringing in water trucks and buying a generator to hook up to the irrigation system would be considered extra expenses. The expenses would serve to minimize the suspension of operations and reduce the business income loss. The loss should be covered with the CP 15 45 and CP 04 17 in place.