American Electric Power customers can file a claim for food that was spoiled during a power outage.
Certain homeowners insurance may also help cover the cost of lost food.insurance companies usually will cover up to $500 of food that spoils from a power outage caused by a covered peril under standard homeowners insurance policies. However, food spoilage coverage may include a $500 deductible, which means some insurance companies may only pay if the policyholder suffered more than $500 in food losses.
If policyholders want more than $500 in coverage, an insurer might offer additional spoiled-food coverage, but it will come at an extra cost, according to Forbes. Some home insurance companies will cover food spoilage claims if a policyholder's utility company is at fault for the power outage, as was the case for many AEP customers. A person's policy might cover a food-loss claim prompted by a rolling blackout or another planned power outage, the magazine said.
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