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The insulation on wires of a motor are very thin and in close proximity in the winding. If too much current flows the wire can heat up and insulation can melt. This deterioration can happen over time. The bare wire can then come in contact with metal parts on the motor and cause a direct short or can short with other parts of the winding and cause a short that effectively reduces the length of the winding.

This can happen in both cases you asked about. On an immersible pump if you are demanding a heavier duty cycle on the pump it can fail prematurely. This can happen if your pressure tank on a well is not of sufficient size to handle your water demands.

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