Home insurance coverage for spoiled food
Written by Stephanie Fereiro | Published on: August 19, 2020 | Categories: Home insurance
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The value of your food can add up quickly, especially if you have a deep freezer filled with meat, seafood, and other big-ticket items. So, what happens if there’s a power outage or your fridge or freezer malfunctions? Thankfully, your home insurance policy has you covered.
What is food spoilage coverage?
Food spoilage coverage is designed to protect you if the contents of your fridge or freezer are spoiled because of a power outage or technical malfunction. This coverage is included in most standard home, tenant, and condo insurance policies.
Common exclusions of food spoilage coverage
Food spoilage coverage only covers spoilage as a result of a power outage or a malfunction in your fridge or freezer. If you’ve accidentally unplugged your freezer or left the door open, you won’t be covered.
How do you make a food spoilage insurance claim?
The first thing you should do when you need to make a food spoilage claim is contact your broker or your insurance company’s 24-hour claims service line to get the process started. Generally speaking, you’ll be expected to provide a list of all of the spoiled items, as well as photos — so don’t throw it out before you get all the information you need.
Does your deductible apply when you make a food spoilage claim?
Yes, your home insurance deductible will apply if you make a claim for food spoilage. So, if your deductible is $1,000 and you lose $200 worth of food in a power outage, you won’t be able to claim the loss. But if you have $2,000 worth of food in your deep freezer and all of it is spoiled, you could get $1,000 back from your insurance company (after paying your $1,000 deductible).
If you have questions about the food spoilage coverage included in your own home insurance policy, review your policy documents or contact your licensed insurance broker.
抑鬱十二月
2023-2-15 11:15:44
點keep個爐頭咁乾淨
我個隻已經花花地有啲白色
:^(
抹都抹唔甩
可摸以轉工啊
2023-2-15 11:16:16
Thanks uncle
:^(
即係雪櫃啲嘢value over $1000先有得claim得翻入我袋? 不過我雪櫃啲嘢都唔夠$1000
You'd never think to eat undercooked chicken or a raw pork chop, and even very rare steak is iffy, but when it comes to salmon, you could go either way. Nothing quite compares to lox on a bagel, and if you go out for sushi, there's a good chance you'll end up ordering salmon sashimi. In its raw state, salmon tastes pure and unrefined without being overly fishy, and it has a uniquely buttery texture you just can't get from cooked salmon.
Many prefer to consume it raw, but the question remains: Is it actually safe to do so? Healthline says yes, but not without risk. Even if you're eating salmon fresh out of the ocean, the fish can still be ridden with bacteria and parasites absorbed from the natural environment. The only way to kill these pathogens would be to cook the salmon to at least 145 degrees Fahrenheit. When you eat salmon raw, therefore, you risk contracting a foodborne illness.
What salmon is safest to eat raw?
Sergey Ryzhov/Shutterstock
Unless you decide to bring your salmon to a lab and test it, there's really no way of knowing for sure if your salmon is 100% safe to eat raw. However, knowing what to look for at the grocery store certainly helps. The Grocery Store Guy claims that farm-raised, flash-frozen salmon is the safest option. Because farm-raised salmon are fed a controlled diet, whereas wild-caught salmon openly consume prey potentially infected with parasites, they're much safer to eat raw.
Look for packaging that specifies "farmed Atlantic salmon" or "farmed Alaskan salmon." These will typically be labeled "safe for raw consumption" as well. You might also see "sushi-grade" on some labels, but The Grocery Store Guy says this is only marketing jargon. Since parasites are killed at -31 degrees Fahrenheit, you're better off looking for salmon specifically labelled as "flash-frozen" over "sushi-grade." But, if you already bought your salmon and are unsure of it's quality, it's probably best to cook it rather than risk eating it raw.
CNTower
2023-2-15 12:40:35
Never borrow money to invest in fixed income.