Discovering that all your food has spoiled can be an unpleasant surprise when you open your fridge. Whether due to a power outage or an appliance breakdown, losing groceries can be frustrating and costly. The good news is that your home insurance might cover the loss in certain situations. At Robinson Insurance Group LLC in Alabama, we’re here to help you understand when your policy might step in to cover spoiled food.

Power Outages and Coverage

Most standard home insurance policies include coverage for food spoilage caused by power outages. If a storm knocks out electricity in your area or a sudden blackout leaves your fridge without power long enough for food to go bad, your insurer may reimburse you for the loss. However, some policies require coverage to apply if the outage originates outside of your home (such as a grid failure).

Equipment Breakdown

If your refrigerator or freezer breaks down due to a covered peril, your policy may also cover the cost of spoiled food. For example, if a power surge damages your fridge, you could be eligible for reimbursement. Be sure to check your policy details, as not all types of breakdowns are covered.

What to Keep in Mind

To file a claim, you’ll typically need to estimate the value of the spoiled food. If possible, take photos and make a list of the items.

Need Insurance Guidance?

Understanding the details of home insurance can be tricky, but Robinson Insurance Group LLC in Alabama is here to help. If you have questions about your policy or want to ensure you’re fully protected, call us today. We’re here to make insurance simple and stress-free!