Opinion ID: 4387386
Heading Depth: 2
Heading Rank: 5

Heading: The Endorsement’s “Accident” coverage

Text: Ingenco also argues that the separate Boiler and Machinery endorsement to the policy independently confers coverage for Ingenco’s losses. The Endorsement covered “Accident[s],” defined as a “sudden and accidental breakdown of an Object,” exclusive of “depletion, deterioration, . . . [and] wear and tear . . . .” As discussed above, Ingenco’s experts opined that the “truly sudden” breakdown of V32’s diffuser shield, which resulted in the destruction of the adsorbent beads in V32 and throughout the system, was the “unexpected” result of unanticipated resonant vibrations that were “not foreseeable.” Thus there is a genuine dispute of material fact as to whether the Endorsement applies.