We have all been sitting at our computers, working hard on a project, drawing
close to completion, when suddenly – everything goes dark. A power
surge roaring through the city’s electrical grid rushes into your
home or business and shuts it all down in an instant, no warning whatsoever.
In a best case scenario, you only lost your time and effort you put into
that Word document. But for many, a significant power surge is capable
of costing them considerable finances.
When a power outage hits your property, anything that is plugged into an
outlet can be affected. Even if you were prudent enough to hook up surge
protectors and battery backups, there is no guarantee the surge won’t
be more powerful than their inhibitors. In the blink of an eye, the majority
of your electronics and appliances could be ruined.
Will My Insurance Cover This Mess?
You need to carefully review your homeowner’s policy after a power
surge. Unfortunately, many default insurance packages won’t deal
with power outages and you could be footing the cost of replacements or
repairs yourself, including all the food that spoiled in your fridges
and freezers. If this could be a big concern for you, talk to your insurance
provider today about expanding your coverage to power outages.
Business owner’s insurance is a little different. Many standard policies
will have a clause about power outages and the damage they can cause to
computers. Not only can a power surge damage a computer’s power
source component but it can fry the hard drive, wiping out valuable digital
information stored within. For many businesses, digital data is their
most prized possessions, and it can be devastating to their profits if
they lose it.
If you are dealing with widespread damages, either in your home or office,
after a power outage, you should review your insurance policy to see if
you are covered. If you have already talked to your insurance company
and they are denying your claim, you will need an insurance bad faith
attorney’s help. For professional legal help in Texas,
contact Dick Law Firm and talk to our Houston insurance bad faith lawyer today.
We can discuss your legal options and rights as an insurance policy holder during a
free case evaluation.