The short answer
What Counts as Food Loss
Food loss after a power outage includes perishable items like meat, dairy, frozen goods, and leftovers that spoil because the refrigerator or freezer lost power. It also covers food that may be unsafe if temperatures stayed above 40 degrees Fahrenheit for over two hours. You can typically claim the replacement value of those items.
Your insurance company decides what is covered, and policies vary. Some policies have a separate limit for food spoilage, often a few hundred dollars, while others include it under personal property. Review your policy documents to see the specific amount and any deductible that might apply.
- Take photos of the spoiled food before discarding it.
- List each item and estimate its value.
- Note the date and time the power went out and when it returned.
- Keep receipts for any replacement food you buy.
- Check if your policy has a separate food spoilage limit.
How to File a Claim
To file a claim, contact your insurance company as soon as you can. Provide the documentation you gathered, including photos and an itemized list. Be clear about the cause of the outage, such as a storm or a utility failure, because that can affect coverage.
The insurance company will assign a claims adjuster to review your case. The adjuster may ask for additional details or proof of the loss. Keep all communication and notes about your claim for your records. The process typically takes a few days to a few weeks, depending on the situation.
- Call your insurance company's claims line.
- Have your policy number ready.
- Submit your photos and list promptly.
- Ask about the timeline for a decision.
- Inquire about your deductible and how it applies.
What Affects Coverage
Coverage for food loss can depend on the cause of the power outage. For example, if the outage was due to a storm that also caused other damage, it might be covered under your homeowners policy. If the outage was due to a utility company issue, your coverage may still apply, but it varies.
Policies vary, and your insurer decides what is covered. Some policies exclude food loss unless the power outage is caused by a covered peril, like lightning or wind. Others include it as a standard feature. Always check your policy or ask your insurance company directly to understand your specific situation.
Steps to Protect Your Food
During a power outage, keep the refrigerator and freezer doors closed as much as possible. A full freezer can keep food safe for about 48 hours, while a half-full one lasts about 24 hours. If the outage is prolonged, consider using coolers with ice or dry ice to preserve perishables.
After power is restored, check the temperature of your food. If ice crystals remain or the temperature stayed below 40 degrees Fahrenheit, the food is likely safe. When in doubt, throw it out. Document any food you discard, as that can support your claim.
When to Call the Pros
If the power outage led to water damage, such as from a sump pump failure or a burst pipe, you may need help beyond food loss. Local water damage pros can handle water extraction, structural drying, and mold prevention. Their work usually involves assessing the damage and using specialized equipment to dry the area.
If you live in Layton, keep the contact information for local water damage pros handy for emergencies. They can help with temporary power and climate control to prevent further damage. For large losses, they can coordinate the restoration process, but your insurance company handles the claim details.
- Water extraction to remove standing water.
- Structural drying to prevent mold growth.
- Dehumidification to reduce moisture levels.
- Temporary power and climate control to stabilize conditions.
- Inspection to assess the extent of damage.
Need help right now?
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Call Now (801) 383-0232Frequently asked questions
How long does food last in a fridge without power?
A refrigerator keeps food safe for about four hours if the door stays closed. A full freezer lasts about 48 hours, and a half-full freezer lasts about 24 hours. After that, check the temperature and discard any perishable items that may have spoiled.
Do I need to keep receipts for spoiled food?
Receipts are helpful but not always required. Photos and a detailed list of the spoiled items are often enough. Keep any receipts for replacement food you buy, as they can support your claim and help you get reimbursed for the actual cost.
Can I claim food loss if the outage was due to a utility failure?
It depends on your policy. Some policies cover food loss regardless of the cause, while others only cover it if the outage is due to a covered peril like a storm. Check your policy or ask your insurance company to confirm.