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Insurance May Cover Items Lost In Blackout

Experts Say Spoiled Food May Not Be Worth Filing

POSTED: 5:09 p.m. EDT August 18, 2003
UPDATED: 5:45 p.m. EDT August 18, 2003

The blackout may have some Detroit residents seeing red, Local 4 reported.

Many people lost money in food that went bad or appliances that were damaged when the power was restored, Local 4's Ruth Spencer reported.

Local insurance expert Eric Huffman, of Huffman Insurance, said residents may be able to recoup some of their losses from the blackout, including such items as: eggs, butter, milk and some produce that were considered unsafe to eat.

According to Huffman, food, appliances and damage to property are all covered, but some of the items may not be worth claiming.

Huffman said if your TV or microwave was damaged in the blackout, you should consider filing a claim. But it may not be worth it to file for damaged food items because the cost of the insurance deductible may be more than the items are worth.

Insurance experts say the best thing to do is prepare for future disasters by making a list of all your valuable possessions, and contact your insurance agent as soon as the next problem occurs.

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