Frequently Asked Questions about Power Outage

FAQs About Power Outage

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Yes this loss should be covered. While the power loss is not a covered loss the resulting burglary loss should be covered. The loss is burglary- not power failure. 

Probably not as this coverage requires the insured home to be damaged. As the house was not damaged coverage would not be available for these expenses. 

Typical business income coverage is triggered by a suspension of business when it is caused by direct physical damage to or loss of property at the premises described in the policy. The damage must be caused by a covered cause of loss. Direct physical damage caused by a covered cause of loss must be determined before a business income claim will be considered. 

First you must actually incur a loss of business because the civil authority prohibits access to the insured premises. This coverage also requires direct physical loss of or damage to property away from the insured premises as the result of a covered cause of loss. 

You most likely will have a deductible usually expressed in terms of hours which may be seventy two hour period before coverage would be start.