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⚙️ Equipment Breakdown

Equipment Breakdown Insurance Claim: What Your Business Is Owed

HVAC failure, refrigeration breakdown, boiler, electrical equipment, machinery. Know what's covered, what's typically denied, and how to document your claim so the insurer can't lowball you.

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⚠ Informational only. Not legal advice. For legal representation, consult a licensed attorney in your state.
What's Typically Covered
  • Sudden mechanical or electrical breakdown
  • HVAC and refrigeration system failure
  • Boiler and pressure vessel damage
  • Power surge and electrical failure
  • Food spoilage from refrigeration failure
  • Cost of temporary equipment rental
What Insurers Commonly Deny
  • Normal wear and tear
  • Lack of maintenance causing failure
  • Cosmetic damage without functional breakdown
  • Leakage not resulting in breakdown
Documentation Checklist
Gather these before contacting your adjuster. Missing documentation is the #1 reason claims are underpaid.
  • Repair technician report documenting sudden failure
  • Photographs of failed equipment
  • Food spoilage inventory with purchase prices
  • Refrigerator temperature logs
  • Prior maintenance service records
Frequently Asked Questions
My walk-in cooler failed overnight and I lost $8,000 in food. Is that covered?
Yes, if you have equipment breakdown coverage (also called boiler and machinery coverage). Food spoilage from mechanical refrigeration failure is a standard covered loss under this coverage.
My HVAC system stopped working in summer — does commercial insurance cover the replacement?
Equipment breakdown coverage pays for sudden mechanical failure. Standard property insurance typically excludes mechanical breakdown. Check whether your policy includes an equipment breakdown endorsement.
Search Keywords People Use
If you found this page searching one of these terms — you're in the right place.
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Equipment Breakdown Claims by State
Insurance law varies. Find your state's specific rights and statute of limitations.
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Is Your Claim Underpaid?

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If Your Claim Was Denied

  • Request denial in writing
  • Get the specific exclusion cited
  • File a complaint with your state commissioner
  • Consult an insurance claim attorney
  • Check bad faith law in your state

Average Claim Gap

$14,200

That's the typical difference between an insurer's first offer and the amount the policy actually supports for commercial property claims.