Homeowner’s and renter’s insurance may cover the cost of replacing food after a power outage that was long enough to bring the safety of the food into question. It can be financially devastating for some families to do their shopping for the month, get everything put away, and then find the power has gone off. The good news is that your home insurance, such as that from the Ty Lawrence Insurance Agency, serving Austin, TX, might actually reimburse you for the loss of your food.
Fault and Time
Keeping the freezer and refrigerator doors closed to preserve cold temperatures inside those appliances works for only so long. As you open the door to retrieve food, the cold air escapes. This gradually raises the temperature inside the appliance. After enough time, the food inside is surrounded by unsafe temperatures.
Reimbursement often relies on your behavior and how long the power was out. If the power outage was for a short time only, you might not receive reimbursement because, for example, food can survive a half-hour outage if you just keep the appliance doors closed.
If the power went out, you kept the appliance doors closed as much as possible, but the outage lasted for days, you might be able to get reimbursed for the loss. If the power went out for a couple of hours and you kept opening the appliance doors, the loss of the food would likely be seen as your fault because you didn’t try to preserve the cold air.
Contact your insurance agent now, or call the Ty Lawrence Insurance Agency, serving Austin, TX, to expand your insurance coverage. Power outages can hit anywhere and at any time, and it’s worth having the extra coverage.