Food Lost During a Power Outage

If you have homeowners insurance, food that has to be thrown out during a power outage may be covered by your policy. Check with your insurance company to be sure. Some insurance policies will cover up to $500.00 per appliance if you provide a general list of what was lost and its replacement value.

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Generally homeowners insurance has a $500 or more deductible so it'll be a wash and not worth filing a claim for.

Editors Note: I recently had this happen and my insurance company had a food replacement policy that was not part of the deductible. They covered up to $500 for a refrigerator and $500 for a freezer. It's worth checking with your insurance company.

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Food lost is exempt from the deductible for my insurance. So it's well worth looking into. All they needed was a broad list of items I had lost and the replacement cost.

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Thank you! I would have never thought of doing this!

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After the hurricanes, we found that it really helped to take a snapshot of the spoiled food as we emptied the freezer and refrigerator as well as listing it.

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I lost all my food and checked with my insurance company they said I had a 500 dollar deductible I had to pay.

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How do I make the best possible list of spoiled food from my fridge and freezer after a 26 hour power outage on a 42 degree C (107F) hot day? I need it for insurance claim purposes.

By Silvana

AnswerWas this helpful?Helpful? Yes

Read through your policy to make sure you follow their rules in the policy for making claims; every company has different rules on what and how they allow claims. Some require receipts, some a spreadsheet, others just an estimated value.

ReplyWas this helpful?Helpful? Yes
Home and Garden Emergency Power OutageMarch 1, 2007
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