Remember when I was going to keep all my food receipts and use them to see how efficient I was at using up the things I buy?
Yeah, that went by the wayside.
Best laid plans and all that.
But I came across another reason it might make sense to hold onto some of my receipts.
And it could come in handy now that I’m down here in Florida where power outages are sort of a rite of passage…
Here’s a little tip I picked up that I didn’t know before. And it could save you some real bucks if you ever lose power and in turn, lose a bunch of your food in the fridge or freezer…
You may not have to “eat” the loss of spoiled food after the power goes out. Because your insurance policy may actually cover it. (I guess I never looked into this before, but it was new to me…)
If you lose power due to a risk covered by your policy, often called a “peril,” you may be eligible for reimbursement.
For example, Allstate policy holders can replace lost food due to weather-related issues like lightning strikes, natural disasters, or something like a tree landing on your house.
It depends on the company, and your individual policy. Sometimes you get coverage if only you are impacted. In other cases, it has to be the entire neighborhood.
It makes sense to check your policy now, before you actually need to know.
Having receipts for your food would come in handy if you file a claim. And be sure to take pictures of the inside of your fridge or freezer.
If you know a storm is coming, it’s probably a good idea to take these pictures as a regular part of your prep checklist.
Ultimately, you’ll have to do the math to figure out if it’s worth filing a claim. Your rate may go up, or you may have a deductible that wipes out the value of restocking.
I’m going to do some research on my own policy, and I’d suggest you do the same. It’s just one more thing on my emergency checklist, like charging up the flashlights and making sure I have shelf-stable food around if things really get tough.
It’s when I’m in “prep” mode that I’m thankful to have a friend like Frank over at 4Patriots. He’s been pretty helpful in steering me towards having a good stockpile of foods that last for decades and take just minutes to prepare in a pinch.
If you don’t already have at least enough food to last you a weekend, you can take advantage of the little deal we worked out, for a free 72-Hour Survival Food kit.
Yes, free. Just cover the shipping and you’ll have at least a few meals on hand to get you started.
You can’t be too careful.
And in the case of your insurance, you can’t read the fine print too closely.
There’s often ways of squeezing a few bucks out of these insurance companies that they won’t hand over unless you ask.
Editor, Patriot Health Alliance