Insurance may cover cost to replace spoiled food during power outage

Posted at 8:26 PM, May 04, 2020
and last updated 2020-05-04 23:46:55-04

NASHVILLE, Tenn. (WTVF) — As crews continue to restore power throughout the mid-state following Sunday night's storms, those still without are finding themselves with fridges full of spoiled food - especially those who just made a large weekend shopping trip in the time of COVID-19.

MORE: NWS: Sunday's damaging derecho 'was the worst straight-line wind event since 2004'

But your homeowners or renters insurance may cover the cost to replace that spoiled food.

If you're still without power after Sunday's storms, the USDA says the perishable food in your fridge has likely already spoiled, and will need to be thrown out.

But there's still hope for the food in your freezer, especially if it's full right now. Food there can remain safe up to two days after a power outage.

Insurance agent John Trail with the Trail Insurance Group says homeowners and renters insurance policies often cover spoiled food if your power goes out. However, all policies differ; so your best bet is to call your agent.

"Talk with them about your policy and what it covers and what it does not," Trail said.

It's a problem that is impacting more people during COVID-19, as many people may buy more food at grocery stores, trying to cut down on trips to the market.

But if the food in your fridge and freezer is already too far gone, Trail says, it's time to start going through it to see what you've lost.

And recent grocery store receipts may help you get some money back, but keep in mind, you'll have to meet your insurance deductible first.