Serial defect clause

In June 2023, Siemens Energy put the cost of rotor and bearing defects across series of Siemens Gamesa onshore turbines at around 1.6 billion euros. When a design or manufacturing defect affects a series of identical units, coverage is rarely the fight; counting is. Is this one loss, with a single deductible and limit, or as many losses as units affected, with as many deductibles and limits? The answer shifts large sums, in both directions, and turns on a clause naming the cause that unifies the losses. Common wordings aggregate on identity of cause, sometimes within a time window. The difficulty lies in the degree of abstraction accepted: two failures of the same component, from different material batches, may count as one cause or two. The clause matters most in lines insuring equipment produced in series and operated for a long time, such as wind turbines, medical devices and automotive components. It works alongside design defect exclusions, which first determine whether anything is covered at all before any counting applies.