Assumed landlord DSU loss and recovery
$1.0m recovery; $2.4m net loss; $1.4m retainedderived
| Value kind | derived — Derived values are guide calculations; their result is only as fixed as the stated inputs, scope, and method. |
|---|---|
| Scope | Under the assumed wording: rent=10 MW×1,000 kW/MW×$100/kW-month=$1.0m/month. Saved expense=.20×rent=$0.20m/month, so gross profit=$0.80m/month. Total delay loss=90/30×.80=$2.4m. No-damage start day 30 versus damaged start day 90 gives 60 incremental days. Payable delay=max(0,60−15)=45 days, below the six-month maximum; 45/30×.80=$1.2m before the $1.0m cap. Retained $1.4m=.80 independent permit delay+.40 time excess+.20 limit shortfall. With no covered damage, recovery is zero and retained loss is $2.4m. Raising only the limit to $1.2m removes the $0.20m limit shortfall. Monetary outputs use two significant figures; policy day counts are exact conventions. |
| As of | 2026-09 |
| Source | Munich Re — method reference; guide scenario September 8, 2026. Inputs are assumed; results are derived. |
| Derivation | Rent10*1000*100=$1m per30days; insured gross profit.8m. Total90days=$2.4m; incremental damage delay90-30=60; payable60-15=45days; loss45/30*.8m=$1.2m; min(limit1m,loss1.2m)=1m. No-covered-damage flip recovery0. Limit crossover1.2m. |
| Review | checking…review by 2027-03-08 · standard cadence |
| Recorded changes | last 2026-09-16 |
| Claim id | guide2-t26-dsu-loss |
Where the guide uses it
← Full numbers register — every date-stamped figure in the guide, with revision history.