Preparing for Winter Power Outages in Ohio: Does Your Insurance Cover Spoiled Food, Frozen Pipes and Other Losses?

Winter in Ohio can be harsh, with power outages common due to severe weather conditions. Preparing for these outages is crucial to ensure your safety and comfort. It’s also important to understand what your insurance covers in case of losses.

Does Home Insurance Cover Spoiled Food in a Power Outage?

One of the immediate concerns during a power outage is food spoilage. Most homeowners insurance policies cover food spoilage if a covered peril, such as a windstorm or lightning strike, causes a power outage. However, if the outage is due to a failure in the electrical grid or maintenance issues, coverage may not apply. It’s advisable to check with your insurer about adding specific coverage for refrigerated items.

Does Home Insurance Cover Frozen Pipes?

Another significant risk during prolonged power outages is frozen pipes. When temperatures drop, water inside pipes can freeze and expand, causing them to burst once they thaw. Homeowners insurance generally covers damage from burst pipes if the cause is a sudden and accidental event. However, insurers may deny claims if the pipes were in poor condition or if the home was left unheated. To mitigate this risk, ensure your home is adequately heated and insulated.

What Other Loses Does Home Insurance Cover?

Winter storms can cause various other damages, such as roof leaks from ice dams, fallen trees and wind damage. Homeowners insurance typically covers these types of damage, including the cost of repairs and tree removal. Additionally, some policies may cover additional living expenses if your home becomes uninhabitable due to a covered peril.

Learn More

For additional guidance on homeowners insurance near you, contact Boyer Insurance LLC today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.