What Is Covered By Homeowner's Insurance During A Power Outage?

Here is what is and is not covered by your homeowner's insurance if you file a claim for the power outage. Your coverage will depend on the specifics of your policy.

Frozen Pipes During a Power Outage

Extreme weather and power outages can cause water in your home's pipes to freeze. This can cause cracking, resulting in flood damage and costly plumbing expenses when the electricity is restored. Since we are not accustomed to such harsh cold in Texas, our pipes are not insulated against extreme temperatures. This indicates that our pipes would have frozen rapidly.

Since frozen pipes are not a common occurrence in Texas, the claim has a greater likelihood of getting approved. However, if your pipes were in poor condition owing to age, your insurance may deny the request. If you turn off the power when you leave your home, causing the interior temperature to drop, negligence could also be used to deny your claim.

Damaged Food Due to a Power Outage

Due to the power outage, several residents were without electricity for several days, and they should dispose of everything in their refrigerators and freezers. According to the Insurance Information Institute, the vast majority of homeowner's insurance plans include reimbursement for food lost during a power outage. It may also be an optional add-on to your insurance. This coverage will depend on the terms of your policy.

But if your only claim during a power outage is spoiled food, it is not worth your effort or money to file a claim. Most insurers cap the insured loss at $250 or $500, so if the loss is less than this amount, you are responsible for the cost.

Be aware of any additional claims you have made on your coverage within the past year. An additional claim may surpass your deductible. Therefore, you should consult your insurance agent prior to filing a claim.