The insured condo building is covered for equipment breakdown form EB 00 20 01 13. There was an electrical event that damaged the building's electrical systems. In addition to direct damage to the distribution equipment, some of the wiring in the building was damaged as well. The policy identifies what is "covered equipment" and what is not. The policy states under what is not included, in section (10) is "Felt, wire, screen, die . . . nonelectrical cable, . . . or any other part or tool subject to periodic replacement." My question is, does this exclude coverage for the damaged wiring in the building?

This particular section (10) seems to be addressing only parts and tools that are subject to periodic replacement. Also, since this provision also specifies, includes "nonelectrical cable" then "electrical cables" are covered. Many larger electrical "wires" are referred to as "cables." Given the above, is the intent of this language to exclude all wiring in a building, or just wire that is part of a part of tool and subject to periodic replacement. It would seem counterintuitive for the policy to cover electrical equipment that runs a building but exclude the wire that connects the various pieces of electrical equipment. Please give me your opinion.

On a related topic. The ordinance and law coverage in this same policy appears to cover the wire, if it must be replaced due to code. Please let me know if you agree.