A bakery's BP 00 03 has ISO BP 04 07 (Off-Premises Services — Direct Damage) endorsement attached, with water supply and power supply elected but communication supply NOT elected. A windstorm (a covered cause of loss) damages a utility-owned power substation off-premises, causing a 14-hour outage. Bread dough spoils ($3,000), and the bakery's phone/internet (provided by a separate communications utility) is unaffected. How does BP 04 07 respond?
