Your home insurance company may cover spoiled food after your power goes out.
Power outages happen all the time, especially during winter storms. While living in the dark for a few hours may not seem like that big of deal, it can mean big trouble when it comes to your appliances, including your refrigerator.
When your power goes out, your fridge is no longer getting the power it needs to keep your food cold. If you have recently stocked your fridge, that can mean hundreds of dollars’ worth of food going to waste. Luckily, your existing homeowners insurance policy will most likely provide coverage for any food that is spoiled.
Keep in mind that each home insurance policy is different, so the amount of coverage, if any, that your policy will provide may differ. Talking with your insurance agent will give you a much better idea about how much coverage you can expect when the power goes out.
There are some specific situations in which your home insurance policy will not provide any coverage, such as if your refrigerator has been on its last leg for a while. If all of your food is ruined when your fridge finally quits, you will be left covering the cost out of your own pocket.
Keeping your refrigerator well-maintained can help to keep it cold for as long as possible. Regularly clean the coils to allow your fridge to run efficiently. Keep it at the right temperature, typically around 40 degrees, to prolong the life of your fridge. Check the seals of the doors and fix any seals that seem loose. Taking the right steps to keep your fridge running its best will help to ensure you are able to make a claim to your home insurance company when your power goes out.