Loss to steam boilers, pipes, engines, and turbines caused by equipment is not covered unless:

Loss to steam boilers, pipes, engines, and turbines caused by equipment is not covered unless:

• A. Gases or fuel exploded within the furnace, flues, or passages of a fired vessel
• B. The loss is covered by a separate policy
• C. The loss is due to a natural disaster
• D. The loss is due to vandalism

Answer: (A)

In boiler and machinery coverage, losses that happen to steam boilers, pipes, engines, and turbines are generally excluded if they’re caused by the equipment itself. An exception exists, though: if gases or fuel explode within the furnace, flues, or passages of a fired vessel, that internal explosion is a covered peril. In other words, when the explosion originates inside the equipment’s combustion area, the policy provides coverage for the resulting damage. This is why the internal-explosion scenario is the correct condition to make the loss covered. Other options—coverage under a separate policy, natural disasters, or vandalism—don’t trigger this specific exception.

In boiler and machinery coverage, losses that happen to steam boilers, pipes, engines, and turbines are generally excluded if they’re caused by the equipment itself. An exception exists, though: if gases or fuel explode within the furnace, flues, or passages of a fired vessel, that internal explosion is a covered peril. In other words, when the explosion originates inside the equipment’s combustion area, the policy provides coverage for the resulting damage. This is why the internal-explosion scenario is the correct condition to make the loss covered. Other options—coverage under a separate policy, natural disasters, or vandalism—don’t trigger this specific exception.