I am looking for some direction to see if the insurer is correct in their assessment that they will not pay for a situation where a wood chipper type machine was worked on by an employee who changed out the teeth on the machine – claiming mechanical breakdown exclusion. I need to find some assessment that the insurer is correct or if there are similar situations or even case law. Anything would be appreciated.

Here is policy language as well as a portion of the denial letter justification.

Mechanical Breakdown — "We" do not pay for loss caused by any mechanical, structural, or electrical breakdown or malfunction including a breakdown or malfunction resulting from a structural, mechanical, or reconditioning process.

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