Does homeowners insurance cover our refrigerator if it got hit by lightning? And what would the process be?
Tuesday, December 30th, 2008 at
3:12 am
ILovePink_0607 asked:
The freezer won’t freeze anything, there is no ice in the ice maker- its just water, and everything is melting and spoiling. I believe it got hit by lightning the other night in a storm we had. Will Homeowners cover it?
The freezer won’t freeze anything, there is no ice in the ice maker- its just water, and everything is melting and spoiling. I believe it got hit by lightning the other night in a storm we had. Will Homeowners cover it?
Tagged with: Insurance Cover • Lightning • Refrigerator
Filed under: Homeowners Insurance
Like this post? Subscribe to my RSS feed and get loads more!
No it would not cover it unless it was under a special endorsement. which means it would be specifically covered in the policy
Usually yes, and will also cover the food lost due to spoilage. Remember to check your policy for your deductible. You should check all the other electrical components in your home . Usually lightning doesn’t pick on just one item in the home, but you could be right.