Can I Get Reimbursed for Food Lost Due to Power Outages? Here’s How to Find Out!
When storms hit and the power goes out, it can feel like more than just an inconvenience; it’s an expense that weighs heavily on your wallet. No one likes to see hard-earned groceries thrown away, but don’t worry—there are ways to manage the disaster. Let’s dive into the details of what you should toss and what you can potentially get reimbursed for.
What Should You Keep and What Needs to Go?
When faced with a power outage, the first question every foodie asks is: "What can I save, and what should I throw away?" Unfortunately, the guidelines are strict:
Perishable Foods to Toss
- Deli meats and leftovers: These items can spoil quickly and are a no-go after a power outage.
- Dairy products and creamy dressings: According to April Miller, a food safety expert at Penn State Extension, if it contains dairy and has been above 50°F for more than two hours, it’s best to dispose of it.
- Mayonnaise, tartar sauce, and horseradish: If they have been above that temperature for more than eight hours, toss them out!
Items You Can Keep
Don’t despair just yet! There are some items that can safely stay in your pantry:
- Soy sauce, ketchup, mustard, and barbecue sauce: These are generally safe as long as they are unopened or stored correctly.
Miller advises, "When in doubt, throw it out." It’s not worth risking a foodborne illness.
How Can You Get Reimbursed for Lost Food?
Now that we’ve tackled what to keep and what to dump, let’s shift gears to the financial aspect. You might be wondering, "How can I recover some of my losses?" Fortunately, there are options available for reimbursement.
Check Your Homeowners Insurance Policy
Your best bet for recouping losses might just be your homeowners insurance. Here’s what you need to know:
Claiming food loss: According to Jennifer Johnsen-Nazareth, a State Farm agent, food loss can be claimed under your home insurance policy, but keep in mind, it will be subject to your deductible.
- Appliance damages: It’s also crucial to check your appliances for any damage that may have occurred during the outage. These costs can sometimes be covered as well!
Important Considerations
Documentation: Take pictures of the food, your fridge, and any damaged appliances. This will help strengthen your claim.
- Policy limitations: Most insurance policies allow you to file a claim for up to two years, but it’s essential to verify the details with your agent. Knowing your deductible is key when deciding whether to make that claim.
In Summary
Power outages can lead to frustrating and costly consequences for your food supply. By understanding what to safely keep and what needs to go, you can take decisive action. If you’ve lost food, don’t forget to explore the option of insurance reimbursement to recover some of your expenses.
Remember, while the storm may have knocked out your power, it doesn’t have to take a toll on your wallet! For expert tips on food safety, check out the CDC’s food safety resources.
Stay informed, stay safe, and keep your pantry stocked wisely!
