Consequential loss is different then direct damage. A fire is direct damage. A storm which causes a tree to crash and hit your building is direct damage. Consequential loss is more applicable to commercial or business insurance.
If that same storm causes the tree to hit a power line and that power line cuts off electricity to your freezer now we have consequential loss. If your insurance policy has coverage for consequential loss then the cost of the food spoilage would be something you could claim.
In this same situation if you have purchased business interruption insurance then you could be claiming for profits, rental value, extra expenses for this consequential loss.
Talk to your broker or agent. Explain how your business works and what areas you cannot control that might affect your ability to continue to operate and to produce a profit. Ask questions. Control your insurance.
Consequential Loss