Power Outage

Lantern in power outage

The typical homeowners policy excludes coverage for damages resulting from power outages unless they result directly from covered perils (wind, hail, lightning, etc.). For example, if lighting strikes the house and causes a power interruption, the consequent spoilage of food in a freezer is covered up to the limit specified in your policy as a result of a covered peril. Temporary housing is covered if direct physical damage occurs on your property, not when there is an interruption of power in the general area. Reasonable means must be used to protect your property from further damage.