Q. Does homeowner’s insurance cover the cost of food that spoils during an extended power failure?
A. These losses generally are covered, and the deductible often is lower than the policy’s standard deductible—sometimes just $100. In some policies, there’s no deductible at all. However, food spoilage coverage typically is capped at $500.
Don’t be reluctant to make food spoilage claims. Insurers almost never discontinue coverage or raise premiums because of spoilage claims. Take digital photos of the contents of the fridge and freezer before throwing spoiled food away in case you’re asked for evidence of your losses.