Does Homeowner’s Insurance Cover Spoiled Food?

Date: February 1, 2013      Publication: Bottom Line Personal      Source: Robert D'Amore      Print:

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.

Source: Robert D’Amore, who has spent 44 years in the insurance industry as an adjuster, supervisor and claims manager. For the past 22 years, he has been an independent adjuster licensed by New York and Connecticut to represent policyholders against insurance companies. He is president of the New York Public Adjusters Association.