Can I Claim My Electrical Repair on My Insurance?

When something goes wrong with your home’s electrical system, it can be stressful − and expensive.

Whether it’s power surges, home rewiring or even damage caused by a lightning strike, you may wonder if your insurance will help cover the costs. The good news is that in some cases, your home insurance policy might cover electrical repairs.

However, it depends on the type of damage and the specifics of your policy. In this article, we’ll explore what’s typically covered by insurance, what isn’t, and how you can increase your chances of making a successful claim for electrical repairs.

Types of Electrical Repairs That May Be Covered

Not all electrical repairs are covered by home insurance, but there are some situations where your policy may help. Here are a few types of electrical repairs that might be eligible for coverage:

• Damage from lightning strikes: If a lightning strike causes damage to your electrical system or appliances, most home insurance policies will cover the repair or replacement costs.
• Power surges: Sudden power surges from external sources can damage wiring, outlets, and appliances, and may be covered depending on your policy.
• Fire caused by faulty wiring: If faulty wiring leads to a fire, the resulting electrical repairs and damages are often covered by insurance.
• Electrical damage from storms: Wind, rain or fallen trees that cause electrical damage may be covered, depending on the specifics of the event and your policy.
• Accidental damage: Some policies may cover electrical repairs if the damage is accidental, such as drilling into a wall and hitting wiring.

Always review your policy to see what’s included.

Home Insurance Coverage: What’s Typically Included?

When it comes to home insurance, the coverage for electrical repairs can vary, but most policies include protection for specific scenarios.

Here’s a look at what’s typically covered:

• Damage from natural disasters: If a storm, fire, or lightning strike damages your electrical system, your policy will likely cover the repair costs.
• Fire caused by electrical issues: If faulty wiring leads to a fire, both the repairs and the damage to your home are usually included.
• Power surges due to external factors: Power surges that cause electrical damage from sources like utility lines or storms may be covered.
• Sudden and accidental damage: If an unexpected event, like a tree falling on your home, causes electrical issues, your insurer will likely pay for the repairs.

However, coverage can depend on your specific policy. It’s always best to check the details or speak to your insurance provider for clarification.

Times When Insurance May Not Cover Electrical Repairs

Not all electrical repairs are covered by home insurance, and it’s important to know what your policy excludes. One common reason for denial is general wear and tear.

If your electrical system is simply old or hasn’t been properly maintained, your insurer is unlikely to cover the cost of repairs. Additionally, any damage caused by negligence, such as DIY electrical work or failure to hire a licensed electrician, may result in a denied claim.

Another situation is if the electrical problem was caused by external factors not covered by your policy, like flooding, which may require separate coverage.

Lastly, certain policies may not cover upgrades needed to meet modern safety standards unless the repair is directly linked to an insured event, like a lightning strike. Always check the fine print of your policy to understand what’s included and what’s not when it comes to electrical repairs.

Steps to Take Before Filing an Insurance Claim

Before you file an insurance claim for electrical repairs, it’s essential to take a few key steps to make the process smoother and improve your chances of approval:

1. Assess the damage: Determine if the issue is likely to be covered by your policy, such as damage caused by a storm, fire, or power surge.
2. Check your policy: Review your home insurance policy to ensure the type of damage is covered and see if any exclusions apply.
3. Document everything: Take clear photos of the damage and gather any receipts or records related to electrical installations or maintenance.
4. Get a professional assessment: Hire a licensed electrician to inspect the damage and provide a detailed report outlining the necessary repairs.
5. Contact your insurer: Reach out to your insurance company to notify them of the issue and ask about the required steps for filing a claim.

Following these steps can help streamline the claim process and save time in the long run.

How to File an Electrical Repair Insurance Claim

Filing an insurance claim for electrical repairs doesn’t have to be complicated if you follow the right steps.

First, assess the damage and make sure it’s something your policy might cover, such as damage caused by a storm or power surge.

Next, contact your home insurance company to report the issue and ask about the documentation required. This usually includes photos of the damage, a written report from a licensed electrician, and possibly an estimate for the repairs.

Once you’ve gathered everything, submit your claim to your insurer, either online or over the phone. Keep track of any communication with your insurance company (including claim reference numbers). Some policies may require you to use approved contractors, so check before you organize any repairs.

Lastly, be patient − claims can take quite a long time to process. By staying organized and thorough, you can increase your chances of a successful electrical repair claim.

Working With a Licensed Electrician

When filing an insurance claim for electrical repairs, working with a licensed electrician is crucial. Here’s why:

• Professional assessment: A licensed electrician can provide an expert evaluation of the damage, helping to pinpoint the cause and scope of the repairs needed.
• Detailed repair report: Insurers often require a detailed report from a certified professional outlining the damage and the necessary repairs. This documentation strengthens your claim.
• Avoid claim rejection: Insurance companies may deny claims if unlicensed or DIY work caused the damage. Hiring a licensed electrician ensures the work is up to code and meets safety standards.
• Compliant repairs: Most licensed electricians are familiar with the insurance requirements and can carry out repairs in a way that complies with your insurer’s policies.
• Peace of mind: With a qualified professional handling the repairs, you’ll have confidence that the work is done correctly and safely, increasing your chances of a successful claim.

Reach Out to Your Provider

Whether you can claim your electrical repair on your insurance depends on the specifics of your policy and the cause of the damage. Situations like fire, storms or power surges are often covered, but routine wear and tear or DIY mishaps usually aren’t.

To increase your chances of a successful claim, review your policy, document the damage, and always work with a licensed electrician for professional assessments and repairs.

If you’re unsure, reach out to your insurance provider to clarify what’s included. With the right steps, you can navigate the process smoothly and protect your home.