Common Types of Losses

Machinery and equipment losses can arise from countless events—ranging from fires and floods to mechanical breakdowns and operator error. Each situation presents unique challenges that require fast, technical, and experienced evaluation. ILC’s team of forensic engineers and consultants specializes in identifying the root cause, assessing the extent of damage, and determining the most efficient path to recovery.

Interior of a damaged industrial factory with burnt machinery, twisted metal, debris, and smoke. The structure appears heavily affected by fire, with charred surfaces and water on the floor.

Fire

Fires can cause devastating damage to machinery and equipment, leaving businesses unsure of the path forward. ILC's forensic engineers and machinery consultants work quickly to determines the true extent of the loss, evaluating whether equipment can be repaired, or requires replacement—all with accurate documentation to support claim resolution.

Close-up view of a dirty, yellow industrial machine engine with various pipes, cables, and components, including a JCB oil filter on the left and signs of oil leaks and wear.

Mechanical Breakdown

Mechanical breakdown and failures often occur without warning and can bring operations to a halt. ILC engineers and consultants identify the root cause, assess repairability, and recommend cost-effective solutions to restore equipment to pre-loss condition, minimizing business interruption.

An old electrical panel with tangled, exposed wires and corroded components mounted on a white brick wall. A metal control box with a large red button is beside it. The scene appears neglected and unsafe.

Electrical Breakdown

Electrical issues—from short circuits to power surges to lightening strikes—can cause extensive equipment damage. ILC provides expert analysis to determine the cause, scope, and most efficient solutions to repair or replace compromised equipment.

A beachfront area with debris and damaged structures scattered across the sand, palm trees bent or stripped, and a building with visible roof damage in the background under a clear blue sky.

Catastrophe Response

When a hurricane, tornado, flood or other catastrophic event hits, insurance carrier adjusters and adjustment firms require quick response from their vendor partners. ILC will mobilize quickly to assess on-site damages and deliver accurate assessments, solutions, and strategies that help insureds recover efficiently and resume operations quickly.

A large industrial plant stands under a dramatic sky as bright lightning bolts strike in the distance, illuminating clouds over fields and distant hills at sunset.

Weather

The number one cause of property claims is weather. Rain, wind, hail, lightning and other types of weather events can cause damage to properties of all types and sizes. ILC can investigate damages caused by weather events where machinery and equipment are affected. From water damaged equipment to claims associated with lightning damage, ILC can support and identify solutions that help our clients.

Large stainless steel tanks in an industrial facility with water covering the floor, reflecting the equipment and ceiling lights; hoses and pipes are visible throughout the space.

Water Damage

Water losses caused by flooding, sprinkler discharge, or burst pipes, can significantly damage equipment or machinery, critical to an insured's operations. ILC can investigate these losses, providing solutions to determines what can be salvaged or repaired, and manages repair efforts to return equipment to pre-loss condition.

A man in blue overalls and a white t-shirt leans on industrial machinery, holding a yellow hard hat and looking tired or stressed, in a factory setting.

Operator Error

Human error can lead to costly machinery and equipment damage and potentially hinder production. ILC delivers independent assessments that distinguish between operational mistakes and mechanical failures, providing clarity and direction for efficient claim resolution.

Several large construction vehicles, including a yellow road roller, a wheel loader, and an excavator, are loaded onto flatbed trailers on a construction site under a cloudy sky. A sign reads Danger Wide Load.

Transport

Transportation damage, from shifting loads to improper handling, can lead to damaged equipment and machinery. ILC experts can document the extent of damage, recommend repair possible options, and ensure accurate valuations to support fair settlement.

Three thick black cables with exposed wire ends protrude from rusty metal pipes set in the ground near tall grass and a concrete structure. The cables appear weathered and unused.

Vandalism/Theft

Deliberate acts of damage or theft create unique challenges for equipment claims. ILC investigates thoroughly, documenting losses with accuracy and objectivity while providing practical recovery strategies.

A large, rusted, and partially destroyed industrial machine sits among rubble and debris in a ruined factory or industrial site, with crumbling structures and pipes in the background.

Explosion

Explosion incidents can cause extensive damage to machinery and equipment, leading to costly delays. ILC provides fast, thorough assessments that identify the root cause, measure damage, and outline repair strategies. Our approach minimizes downtime, manages business interruption costs, and supports claim resolution with clear, evidence-backed recommendations—helping facilities recover quickly and return to normal operations.

A yellow gas control box and pipes, labeled in Russian, are covered in ice and icicles, with snow piled on top. A red vertical pipe and a gray wall are in the background, also coated with ice.

Freeze

Freezing temperatures can severely impact machinery, piping, and critical systems. ILC evaluates freeze-related damage, identifies salvageable components, and guides repair strategies to restore operations safely and quickly.

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