Hurricane Beryl has caused significant damage, leading to various insurance claim scenarios. One pressing concern is whether your home insurance policy covers food spoilage due to power outages caused by Hurricane Beryl. This video will address this and other common questions to help you decide if filing a claim is the right move.
Scenario 5: Will my home insurance policy cover food spoilage due to power outages?
Alright, one more claim scenario, or one that you’ll hear about probably quite a bit over the next few weeks, and that’s going to be food spoilage. You know, there are a lot of power outages, and so a lot of folks are going to have food spoilage, whether the food is in the refrigerator or the freezers. So, will my home insurance policy payout for that? It’s going to depend on your home insurance. A lot of times, it’s an added endorsement, but sometimes, it’s automatically included.
If you’re wondering about Hurricane Beryl’s food spoilage insurance coverage, you’re not alone.
I do have it on my home insurance policy. The most they’ll pay out is $500, with a separate deductible of $100, so I’d have to eat that $100. They’ll pay out damages above and beyond that up to $500. So there’s food spoilage coverage there.
My recommendation though, fortunately I have a generator, so the power outages aren’t impacting me nearly as much. But even if it was, my recommendation, unless you need to file a claim for damages to another structure or damage to your roof at the same time, I wouldn’t suggest reaching out to the insurance company just to file a claim for food spoilage unless you absolutely have to because those types of claim scenarios can impact you in the long run, and you don’t want those to adversely impact you when you need to potentially look for other insurance options in the future.
Tips for Filing a Hurricane Beryl Insurance Claim
Understanding your options for Hurricane Beryl food spoilage insurance can save you from unnecessary stress and financial loss. Always weigh the potential long-term impact of filing a claim and consider whether it’s worth it in your specific situation. Pack as much patience as you can with the claims adjusters at this time because they’re going to all be overwhelmed regardless of who the insurance company is. If you have the ability ahead of time to reach out to the appropriate contractors to see if they can give you an estimate for repairs to make sure that those repairs are more than your deductible, I definitely suggest doing so.
But either way, hopefully, this has answered some of your questions. Feel free to reach out, though, if you have any others, and I’d be happy to help out. Give us a call at (281) 528-5737 or visit Pinnacle Point Insurance.
