lost power

Lost Power During Winter Storm Fern? Here’s How to Get Paid for Your Spoiled Food

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JYNews-Millions of Americans are currently sitting in the dark as Winter Storm Fern hammers the country. But while you are worrying about the cold, you might be ignoring a “hidden check” sitting right inside your kitchen: Your Refrigerator.

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If your power has been out for more than 4 hours, your food is likely spoiling. But before you grab a trash bag and throw it all away, STOP. You could be throwing away free money.

Here is the step-by-step guide to claiming up to $500 (or more) from your insurance company for spoiled groceries.

1. The “Food Spoilage” Clause

Most homeowners and renters insurance policies have a hidden benefit called “Food Spoilage Coverage.” This usually covers between $250 to $500 worth of food lost due to a power outage caused by a covered peril (like a winter storm, fallen tree, or lightning).

The best part? Some insurance companies offer this as a “courtesy claim,” meaning it might not even raise your premiums (though you must check with your agent first).

2. The One “Mistake” That Costs You Money

The biggest mistake people make is throwing the rotten food away immediately. Do not do this.

Insurance companies need proof. If you throw the food away, you throw the evidence away.

  • Take Photos: Open your fridge and freezer and take clear photos of the fully stocked shelves.
  • Take Close-ups: Take pictures of expensive items (steaks, fish, large frozen bags).
  • Keep Receipts: If you recently went grocery shopping, find that receipt!

3. The “Deductible” Trap (Read Carefully)

Here is the secret detail most articles won’t tell you. Standard insurance policies often have a deductible (e.g., $500 or $1,000) that you must pay before they give you money.

  • Scenario A: You lost $300 of food, but your deductible is $1,000. Result: You get $0.
  • Scenario B: You have a specific “Food Spoilage Endorsement” or a waiver. Result: You get paid the full amount without a deductible.

Crucial Step: Call your agent and ask: “Is my food spoilage coverage subject to my standard deductible?”

4. How to File Your Claim Today

  1. Document Everything: Make a list of every item you are throwing away and its estimated price (e.g., Milk – $4, Steaks – $25).
  2. Check the Cause: Ensure the outage was caused by the storm (covered) and not because you forgot to pay the bill (not covered).
  3. Submit Online: Most major insurers (State Farm, Geico, Allstate) have an app where you can upload the photos and list directly.

Summary: Don’t let Winter Storm Fern cost you more than it has to. Take 5 minutes to snap those photos—it could pay for your next week of groceries!