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Claiming Spoiled Food on Insurance?

How do I make the best possible list of spoiled food from my fridge and freezer after a 26 hour power outage on a 42 degree C (107F) hot day? I need it for insurance claim purposes.

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By Silvana

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February 1, 20120 found this helpful

Make a list of each item as you throw it out.

 

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February 1, 20120 found this helpful

Chances are the summer that was is now the winter that is, and the food is gone. This happened to me once when the fridge decided to die at 3am. If you know, say that you had 20 lbs of chicken, and you know how much your local store charges per pound, that would work.

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The best you can do is estimate, unless you made a list at the time. If you did, or took photos, you are in luck. If not, what do you usually have in your fridge/freezer? That includes condiments, dairy, eggs, veggies, etc. Look now and if you pretty much shop for similar things most of the time, you have a pretty good idea.

Once you make the list, go to the store and just jot down what each thing is worth like you were going to buy it.

I hope this helps.

 
February 1, 20120 found this helpful

If your refrigerator is under warranty just keep the receipt for food that you got when you bought the food. It wouldn't hurt to keep the receipt anyway for any proof anywhere that you got the food and had to throw it out even for household insurance that would take care of it.

 

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February 2, 20120 found this helpful

Read through your policy to make sure you follow their rules in the policy for making claims; every company has different rules on what and how they allow claims. Some require receipts, some a spreadsheet, others just an estimated value.

 

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