Residential Power Outages - What Are You Covered For?
- POSTED BY: | CATEGORY: Personal Protection
- PUBLISHED: October 21 , 2014
During Auckland’s recent power outage, over 85,000 homes in parts of Central and East Auckland were without electricity for some time. After a prolonged power outage we always receive a high volume of claims particularly for:
- Deterioration of food
- Power surge damage to electronic and electrical goods
What Are You Covered For?
Most policies should provide cover for damage to your property caused as a result of a power failure. For example if your laptop suffered damage after a power surge or your frozen goods deteriorated and became unfit for consumption.
There are steps you can take to reduce the potential damage - and many people are unaware they'll have to photograph deteriorated food as proof of a claim. So I wanted to pass on a few quick tips to remember next time there's an outage.
Steps to Take In A Power Outage
- Switch off all electrical sources at the wall to prevent a possible surge when power is restored.
- Make a list of deteriorated food.
- Photograph food before disposing of it, this is your proof to support your claim.
- When power is restored, check all electrical appliances.
- If damaged, obtain a damage report from a supplier, repairer or retailer to see if it can be repaired.
- If not repairable obtain a quote to replace the item, like for like.
- Do not dispose of the damaged item as your Insurer may require it as salvage.
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