DOES HOME INSURANCE
COVER LOSS OF ELECTRICAL APPLIANCES BY POWER SURGES?
It is a very common question: if it is damaged
I the game console or any appliance by power surges, my insurance would cover it me? You talk about this controversial
aspect in this article.
Surges are more common than we would like and
although not always cause damage to electrical appliances, it is true that in
some cases it does. And then? Should we complain to the company that yields us
the electricity? The reality is that the only one who can help us is our home insurance.
That is normal, or at least frequent, is that
you to solve an incidence of such suffice to our insurance company phone and report what happened. They, for their
part, are responsible to investigate the incident and to take care of the
repair or replacement of appliances which have been damaged by the incident,
however, sometimes is not so simple.
If your home insurance is a basic insurance
that only covers benefits payable by law, what will be with certainty is that
your insurance company is not
responsible for solve this type of claims, but today it is not so common to
have this type of insurance as basic
as we usually seek the maximum guarantee of security in our home.
Then, on the basis that you have a home insurance with coverage for electrical
damage included, most likely your insurance
company will be responsible for repairing or replacing your appliances in the
event of a power surge. In some insurance
companies may be the case that ask you to try the power surge that occurred. To
do this you must write or call your electric company and request a document in
which attest you that on the date and time the fault occurred, occurred
over-tension.
To finish we recommend two things: always check
carefully all the details of your insurance
policy because there are many cases in which these accidents occur, and not
knowing that they are covered by the policy, simply be let in, so no we are
getting our insurance profit that we
should; and finally that you often review the offer of insurance that is available in the market since, in any case, you
can always find better conditions at a better price.
To do this we recommend that you use our
comparator home insurance, where
you'll find all the offer available in just seconds and click coup.
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