I lost all my food and checked with my insurance company they said I had a 500 dollar deductible I had to pay.
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.
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.
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.
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
By frugalsunnie02/02/2012Read 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.
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Keep Food Cold Outside During Power Outage