Does Homeowners’ Insurance Cover Power Surge Damage? The specifics of your policy may determine whether you are covered for damaged property in the case of a power surge, and a lawyer may be able to help you pursue compensation if your claim has been denied.

Power surge damage may be considered a covered loss under your policy, depending on the specifics of the policy itself. There is a high degree of difference between different homeowners’ insurance policies, and personal property coverage is one aspect that you may have elected for in yours.

Sometimes, an insurance company will wrongfully deny a covered loss under your policy. Even if you did not have personal property coverage, you may be entitled to compensation for your damaged device(s), especially if some person or entity exposed the device to an unreasonable risk of damage. A lawyer can be a valuable resource in seeking any awards to which you may be entitled whether your homeowners’ insurance covers power surge damage or not.

For a free legal consultation, call (800) 747-3733

How Power Surges Happen

According to the National Institute of Standards and Technology, an electrical surge is “a sudden momentary increase in the rate of current flow or the voltage in a circuit.” These surges may occur due to:

  • Lightning
  • The operation of devices and appliances inside the home or farther away

Power surges can have a number of consequences that may put you and your property at risk, including:

  • Overloading your devices, such as TVs, cell phones, gaming consoles, and anything else plugged into an outlet affected by the surge
  • Degrading your devices and appliances over time through a string of power surges
  • Causing a fire, which can destroy even more property

If your devices, appliances, or home have suffered covered losses as the result of a power surge, then you may be entitled to compensation.

A Lawyer Will Make Your Case for Compensation for Power Surge Damage

Pursuing compensation for power surge-induced losses is not always as straightforward a process as it should be. Some of the parties that could be responsible for your covered losses for a power surge include:

  • The power company that sources your electricity
  • An insurance company that denies or underpays your property damage claim
  • Another individual or entity responsible for the surge in power

A lawyer can help you by:

  • Identifying the defendant or defendants responsible for your damaged property
  • Reaching out to the liable party to see if they are offering any form of settlement
  • If necessary, filing a legal claim in pursuit of the compensation to which you may be entitled
  • Completing every step necessary to see your claim through to the finish line
  • Defending your rights throughout the legal process

If your case is successful, you may be able to collect compensation for your covered losses as well as potential additional awards.

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Call the Law Offices of Anidjar & Levine Today

We will fight for any compensation to which you may be entitled. Call our team today at 1-800-747-3733 for a free consultation. Do not wait, as you may have limited time to bring forth the legal action necessary to pursue coverage of your losses due to the statute of limitations.