Among the most common claims to insurance companies are the consequences of electrical faults. It is a vague concept that often makes us doubt: does our policy cover it or not?
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Electrical damage is the third cause of accidents in the home. That is why it is essential to know what is really meant by electrical damage and what is the most common coverage for this problem by insurance companies.
Only by knowing what it is and what it is not will we be able to know when it is appropriate to make a claim.
What exactly is electrical damage?
Any defect that is related to an electrical problem is considered electrical damage .
Likewise, damage caused by a lightning strike is also considered to be this .
The main causes of electrical damage related to the power supply are the following:
Voltage surges and drops.
Electrical faults.
Existence of voltaic arcs.
Abnormal current supply or short circuits.
It is worth noting that electrical breakdowns are mainly caused by the age of the equipment and excessive operating hours .
As a result of electrical damage, refrigerators are the ones that present the highest number of insurance claims for damages, followed by glass ceramic cooktops and televisions.
“Refrigerators, ceramic hobs and televisions are the ones that suffer the most damage due to electrical faults, according to insurance claims.”
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How do insurance policies cover electrical damage?
Electrical damage can have very negative consequences for both the building and the contents of a home. For this reason, it is important to know what the most common insurance coverage is for incidents arising from an electrical problem.
Although they are not as common as in the content, we cannot forget that significant damage can occur in electrical installations . In addition, in these cases the economic cost is usually much higher than that incurred in the content.
Insurance usually covers fixed elements that form part of an electrical installation, such as wiring, sockets and switches installed. Of course, this incident cannot end up causing a fire, since specific fire coverage exists for these cases.
To claim coverage for damage to the building , we must correctly prove the cause with a technical report from an expert. It is also normal for the insurer to check that the payment for the supply is up to date and that the fault is not the result of any manipulation of the electrical panel .
Electrical damage to the contents is the most common and is usually caused by network incidents such as power surges and drops. In this case, all necessary documentation will also be requested to determine its origin.
What electrical damages are not covered by insurance?
In general, insurance does not cover damage to garden furniture . greek telegram Electrical appliances older than 10 years are also often excluded from coverage . In the case of appliances that are used intensively, such as electric heating systems, this number of years can be considerably shortened.
Light bulbs, lamps and any cosmetic damage that may have occurred are also not usually covered, unless they affect the normal operation of the damaged electrical appliance.
“It is rare for home insurance to cover possible breakages of light bulbs and lamps due to electrical faults.”
What to consider when taking out insurance?
Electrical damage is covered by multi-risk home insurance policies. Therefore, it is important to carefully analyze the insurance we are going to take out before signing it. Only then will we be sure that it will protect us against this type of incident.
In addition, it is important to bear in mind that not all companies cover the same conditions or compensation for an accident involving electrical damage. Therefore, it is advisable to compare several companies to find out which one offers the greatest protection and, even, which of their products is most suitable for our case.
In this regard, we must be particularly clear about which electrical appliances are covered by the policy and under what specific conditions . It is worth noting that many insurance companies usually choose to set a deductible on the amount that they should pay. Another possibility is that coverage is established for electrical appliances starting from a certain value, and that those with a cheaper cost are left unprotected.
