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In most instances, yes, you will need to meet your homeowners insurance deductible before coverage for food spoilage will be paid by your insurance company.
Your homeowners insurance deductible will apply to food spoilage coverage. If you had a $500 deductible and $400 of food spoilage, your homeowners insurance would not pay anything. For an additional premium, you may be able to get food spoilage coverage that has a separate deductible and pays for any reason.
Spoiled food may be covered under your homeowners insurance policy if a downed tree caused the power outage, and the downed tree was on your property. If your power goes out because of another covered loss, such as a named hurricane or a storm, your homeowners policy may cover food spoilage then, as well.
Getting reimbursed by your insurance Your renters or homeowners insurance could cover spoiled food, including losses incurred as a result of the weather. The precise coverage and steps for filing a claim will vary by insurer; contact your insurance companys customer service to find out what you need to do.
Your insurance should absolutely cover food spoilage due to power outages. You will need to make an itemized list of spoiled product, provide proof of purchase for the claim and send pictures of your product. They will verify loss of electricity with your power company and reimburse you for spoilage.
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Theres no separate deduction for spoilage. For tax purposes it makes no difference whether the food is served to customers or thrown away.

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