Does home insurance cover spoil food after a power outage?

In some cases, home insurance may offer reimbursement for groceries lost during a power outage. However, it's important to understand what your home insurance does and what doesn't for spoiled food.

Types of currents and hazards covered

The cause of the power outage may play a role in your landlord's insurance covering spoiled food. Insurance can often help you reimburse spoiled food if it results from a covered risk (often called danger), e.g. B. a tree that fell on the roof of your house and broke the power line. However, if you accidentally cut your own power line or pay your electric bill during a DIY project, your landlord's insurance is unlikely to cover the cost of losing food.

Some insurance policies may also cover spoiled food if the power outage only affects your home, while other providers may offer insurance coverage if the entire neighborhood does not have electricity. In both cases, however, the disturbance should likely be caused by a covered hazard. Your agent can also explain the hazards covered by your policy and whether they cover damage (including spoilage of food) due to general power outages caused by your power company. You can also check with the energy supplier to find out if they will reimburse you for the deductible, spoilage of food, or any other damage resulting from a power failure.

If you end up getting food spoilage, take pictures of the food if you can. If your claim contains expensive whole beef foods, your insurance company may also ask you to send receipts.

LIMITS AND DEDUCTIONS

It is important to note that coverage limits generally apply. For example, even if you have spoiled food worth $700, your landlord's insurance policy can only cover up to $500. You also usually have to pay a deductible before getting a refund. Limits and deductibles may vary. Be sure to read your insurance policy or ask your representative for details of your insurance coverage.
It's never fun to experience a prolonged power outage, but if you understand your coverage, you may be better prepared to recover.