The short answer
Most HO-3 policies include $500 of food spoilage coverage with no deductible, triggered by power interruption from any cause — including off-premises utility failures. Higher limits available by endorsement. Document with photos and an itemized list before disposal.
Frequently asked
- Does the deductible apply?
- Usually no — food spoilage endorsements typically waive the deductible up to the sub-limit.
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