Sometimes you need to get that problem mitigated first by calling a plumber or electrician before you get the “approval” from the insurer. And Murphy’s Law usually results in whatever going wrong on a weekend or after business hours. Clearly, no one plans for a pipe to burst or a tree to fall on the roof or other things that could happen. While I had Fadel on the phone, I asked him for advice when a problem happens at the house.
#OHIO EDISON POWER OUTAGE TV#
Failure to properly protect your appliances or TV may result in no coverage from the insurer, he said. Some insurers also have special policies, which would cost extra, for extra electrical damage coverage.įadel stressed the importance of making sure appliances and TVs either have built-in protections from electrical surges or when applicable, are plugged into a surge protector. “If it is the result of lightning, then the adjuster will find burnt wiring, which is a clear sign that it was lightning and generally there's coverage under the homeowner's insurance policy for that.”įadel said home warranty policies may cover damage. “Electrical issues are interesting, because it's one of those things where it depends,” he said. The answer for whether insurance will cover the damage is also “it depends.” It is best to check with your insurance agent or company on your coverage, said Fadel. I also called Dean Fadel, the president of the Ohio Insurance Institute, the trade organization for the property and casualty insurance industry, for his take. While FirstEnergy does not reimburse customers for equipment damaged or food lost during a weather-related outage, customers are encouraged to contact their renter/homeowner’s insurance to determine if their policies cover such losses.” Insurance also may not cover damages from power outages She added: “Outages due to weather are beyond our control, and although we attempt to restore power as quickly and safely as possible, extensive damage can take several hours or days to repair. Customers may submit a claim by calling our Customer Service team at 80." Our claims representatives would investigate the matter, including the nature and circumstances around the power outage, and respond appropriately. “Customers have the option of filing a claim with our Claims Department if they experience property damage following a service disruption. Lauren Siburkis, spokeswoman for Ohio Edison, sent me this information: After that if unsatisfied I’d recommend they contact our call center at 80,” he said.Īdditionally, affected customers should check with their insurance provider, he said.
I would encourage the customer to contact Ohio Edison and see if they are able to work out an agreement. “If the utility were at fault or negligent, they may be liable however, typically things like weather, trees, animals, cars, etc. Matt Schilling, spokesman for the Public Utilities Commission of Ohio said liability could depend on the situation. The short answer: It depends, but most likely it is not the responsibility of the utility. Should she have called Ohio Edison? Would they be responsible for anything or was this something covered under home insurance? It got us talking about where the responsibility lies when something like that happens. Some of the work needed to done right away, while the rest is pending a review by her insurance company for extensive rewiring in her walls, she said. Half of her lights on her first floor still don’t work. She also had to replace a pump in her hot tub and the electrical panel of her stove. “The electrician said he’d never seen an electric box fried like that,” she said.
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