i lost about $700-$800 worth of food due to a 3.5 day power outage. Friends informed me that you can file that under homeownerns and because it is a weather related expense - you shouldn't get hit with having filed a claim - some companies I guess don't even make you pay the deductible. I called my insurance company - Allstate and they informed me that I would have to pay my deductible and that it would be filed against me as a claim. I was not happy. When I brought this up to my friend who works for a competing firm, she said that wasn't right. Can anyone else out there verify this for me?
Thanks!
2007-09-06 07:09:36 · 5 answers · asked by Hex 1 in Politics & Government ➔ Law & Ethics
That depends on the specific coverage you have paid for with your insurance. Every policy is a little different. Some companies may not require you to pay a deductible for this kind of damage, your's does. If it is written into the policy, it is legal for them to make you pay the deductible. If you don't like Allstate's insurance, go to a different company.
2007-09-06 07:16:50 · answer #1 · answered by msi_cord 7 · 1⤊ 0⤋
A claim is a claim. If you file one then they will have a record that you have filed one. Have you read your policy? What does it say? That is the contract you have with your insurance company. If they don't waive the deductible for food loss, then there is not a lot you can do unless your policy states that they will.
2007-09-06 14:18:25 · answer #2 · answered by davidmi711 7 · 1⤊ 0⤋
Your deductible applies to any claim you file with your insurance company. Lost food is not something they HAVE to pay, it depends on your policy. Your agent certainly knows better than your friend as to what your policy covers. Each company is going to be different. Read your policy and see what it says about food loss.
2007-09-06 14:18:39 · answer #3 · answered by rebel g 4 · 0⤊ 0⤋
Read your policy to see what it covers & whether they pay the full replacement cost or a lesser amount. If you have a deductible, it comes off your claim. It doesn't make sense to make a claim for $600 when you have a $500 deductible.
2007-09-06 14:28:30 · answer #4 · answered by Anonymous · 1⤊ 0⤋
Losses caused by power interruption are not covered. No one waives the deductible.
Losses caused by power surge on your property are covered, including consequential losses...the food that gets ruined. You still have a deductible.
2007-09-06 14:18:08 · answer #5 · answered by regerugged 7 · 1⤊ 1⤋