As a result of intentional load reduction by a municipality, power was cut to the insured facility. As a result there were problems with the "motherboard" and the insured also had problems with the soft water system and boilers, along with other minor electrical and computer issues.

They have coverage for Utility Service Direct Damage which does not provide coverage for this loss because there is no physical damage to the insured or supplier premises.

Question – Part 1:

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