The insured policy has the following coverage forms: Business Income (and Extra Expense) Coverage Form CP0030 1012, Causes of Loss- Special Form CP10301012, Utility Services-Time Element CP 1545 1012.

The insured premises suffered direct physical loss caused by Hurricane Maria, which is a covered cause of loss (Windstorm). The insured premises was repaired in fifteen days after the date of direct physical loss to the insured premises. The insured operation was suspended during those fifteen days. Due to the fact that the Hurricane also caused physical damages to the overhead transmission power lines (covered under form Utility Services-Time Element) there was no electricity in the insured premises. The insured resumed its operation on day sixteen after the date of direct physical loss using a power generator. The electricity was restored to the insured premises ninety days after the date of direct physical loss when the overhead transmission lines were repaired.

The parties agrees that the period of restoration or coverage for extra expense will begin immediately after the time of direct physical loss and will end ninety days after the date of direct physical loss, when the electricity was restored to the insured premises. The insured used a power generator until the power was restored on day ninety.