By: Edward L. Blais, JD, CIC


When storms hit many of us are without power long enough for the food in our refrigerators to spoil. How much money do you think you have thrown out when tossing the spoiled food? There could have even been important value to items in your refrigerator, such as medications that need to remain refrigerated, or steaks you were saving for a family barbecue, that were destroyed. It could have been really costly for you if you stocked up for a few months on refrigerated products, perhaps in a freezer kept in your garage or basement. 

After the destruction of a large storm, homeowners quickly learn what is and is not covered by their standard homeowners policy. Did you know that a standard homeowners policy does not cover food spoilage as a result of power failure from a source off the residence premises?

In order to be covered for unexpected food spoilage due to power interruption, you would need to add a Refrigerated Products Endorsement to your policy. For a small premium, only dollars per year, you can add insurance that will cover up to a pre-determined amount for items in your refrigerator or freezer. Typically, there is no deductible for this protection.

If you have ever had to throw an expensive amount of food out, you know how frustrating it can be. Before the next storm hits and you lose power again, call Blais Insurance at 401-725-0070 to discuss a homeowners’ policy that provides this important coverage.