Guide to Emerald Ash Borer Treatment

Updated May 2, 2020 . AmFam Team

Emerald ash borers could mean the end for your ash tree. Learn the symptoms of infestation and how to get effective emerald ash borer treatment.

Should I Worry About Emerald Ash Borers In My Yard or Neighborhood?

If you’re a homeowner with an ash tree on your property — especially if you’re in an affected region — you will want to be vigilant about this invasive pest. Losing ash trees to an emerald ash borer infestation could negatively affect your curb appeal and, as a result, your property value.

Even if you don’t have ash trees on your property, you may have them in your neighborhood. Ash trees are often used in landscaping due to their color, size and shade coverage, and today make up about 20% of the total tree population in urban and residential settings. In fact, ash trees are so prevalent in American cities that they have come to be known simply as “street trees.” Your neighborhood might look very bare without them!

Ash trees are economically important, too. Broadly speaking, ash trees are among some of the most valuable and abundant trees in the United States, with an estimated 7 to 9 billion ash trees in the country. The wood of ash trees is used for furniture, doors, flooring, architectural accents and several other home improvements. Fewer healthy ash trees could mean higher home improvement and building costs.

Many recreational hobbies use pieces of ash wood, too. Things like guitars, baseball bats, hockey sticks and oars all of which can be costly enough as is.

How Do I Know If I have Ash Trees?

The good news is that, in North America, emerald ash borers only attack true ash trees. That means your maples, oaks, willows and beech trees are all safe from this pest. In addition, mountain ash (which is not a true ash, but rather a type of rowan tree) is not known to be affected.

In the United States, most ash trees are located in the Midwest and Northeast. If you live in this part of the country, you may likely have an ash tree or two around your home or community. However, ash trees can be found nationwide, so it’s good to know what an ash tree looks like in comparison to your other trees.

Ash trees are best identified by focusing on three key characteristics:

  • Younger trees may be harder to distinguish, due to their smoother surface, but older ash trees will have a rough, diamond-shaped bark that sets them apart from most other trees.
  • If you then look to the branch structure, you’ll notice the branches grow off the main stem directly opposite of each other in pairs, creating a sort of “mirrored” layer of leaves and stems. This is called opposite branching.
    • You can easily use this to differentiate from other trees like hickory, oak and cottonwood that have alternate branching, meaning the leaflets are growing from different, alternating points of the stem.
  • The leaves themselves are characteristic as they’re compound leaves, often growing 5 to 9 leaflets per leaf, as shown in the slideshow below. This helps create that wonderful shade the ash tree is known for.

How to Get Rid of Emerald Ash Borer

The first step to action is taking an inventory of your ash trees. Determine how many ash trees you have, where they are and whether you want to treat the infestation or remove the affected trees. If trees are left untreated, they are unlikely to recover and can die within a handful of years.

Next, you’ll want to consult the aid of an arborist or tree care professional. Arborists are certified tree specialists who could be thought of as “tree doctors.” They can verify that emerald ash borers — and not a different pest — are infesting your trees, and help you decide whether emerald ash borer treatment or removal of the affected trees is the best option for you, your yard and your wallet. They can also help you determine if it’s a good idea to apply a preventative emerald ash borer treatment to any ash trees in your yard not yet infested.

If you decide not to treat or remove an infested tree, an arborist will also be able to assess the situation and make helpful recommendations that could prevent hazards and damage to your, or your neighbor’s property, if the afflicted tree dies.

Emerald ash tree borer treatment

Deciding whether to treat or remove an infested tree is a tough choice that expert Wayne Rayfield knows all too well. A landscape professional with over 30 years of experience, including over 20 years as a college instructor for landscape design, he now works as a land management administrator who helps maintain American Family Insurance’s 450-acre National Headquarters. Over the years, he’s had to deal with several emerald ash borer infestations.

When making the tough decision to keep or replace an ash tree, Wayne advises homeowners to consider four factors: the tree’s sentimental value, its size and health, its location on the property and the cost of emerald ash borer treatment.

First some sentimental value. “If you have a real stately tree that’s got the kids swing on it for generations and you’re catching it early, there’s value in that,” Wayne explains. Younger trees that haven’t established the same sentimentality to the homeowner may be easier to replace with a more reliable, durable species that, Wayne says, “won’t take long to catch up to the other young tree.”

Next is the size and health of the tree. “When you’re dealing with a large, real specimen tree, the cost to remove it is thousands. But to replace it, you never could. If you have, say, thirty years of growth, you can’t get that back.” In particular, mature trees with a diameter greater than 12 inches are particularly valuable — and may be impossible to replace.

Third is the location on the property. Trees planted in ideal landscaping locations, such as a mature tree that perfectly shades your deck, add much more value to your property than trees in less strategic locations.

Last is cost. Treating ash trees can be costly, and emerald ash borer treatment isn’t always successful. In Wayne’s experience, “if you’re able to treat the tree, you’re looking at around $200 to $500 every two to three years” for professional treatments.

There are also DIY treatment options, such as insecticides, but the regulations differ between states. Before attempting any DIY treatments, you should contact your state’s department of agriculture (Opens in a new tab) (or equivalent agency) for further guidance. You may also want to check in with your county or city to see if there are additional local regulations, resources or recommendations.

In sum, Wayne suggests considering ash borer treatment for more mature trees, at a diameter greater than 12 inches, and trees planted in ideal landscaping locations. For younger trees, crowded trees or trees in less-than-ideal locations, “then you have to really think, is it something you want to invest in over the life of the tree?”

Ash borer tree removal

Depending on the overall health of the tree, along with its location and value to you, you may just opt to remove or replace the tree altogether, choosing instead a species of tree much less susceptible to infestation such as maple, honey locust or gingko trees while providing the same utility and landscaping benefit.

Depending on the size and the location of the tree, tree removal costs could range anywhere from $100 to $1,500 or more to have it removed professionally. Remember, professional removal is the only safe way to remove a tree. Attempting to remove a tree yourself can be extremely dangerous — to you, your home and your neighbors’ property.

Unfortunately, tree removal is sometimes the only option, as emerald ash borer infestations are often more severe than homeowners realize. Wayne even recalled one heartbreaking situation where a nursery had to bulldoze hundreds of acres of ash trees potentially infested by the beetle.

According to Wayne, “The bottom line is, if you see any kind of activity, you’re pretty deep into it and it may be difficult to recover. The best plan would be to begin treating your tree before the bore gets into it.”

What Can Consumers Do to Prevent Emerald Ash Borer Infestations?

The good news is you can take action before you see any signs of emerald ash borers in your yard or neighborhood. Preventative ash tree borer treatments are available that can keep emerald ash borers out of your ash trees.

“If you have a nicely placed ash tree and it’s a good size — they say 12” in diameter and you can treat it before it gets the borer, there can be value in that,” explains Wayne. “A nicely landscaped property, with trees in the right places, will increase your property value.”

The most effective method of ash borer beetle prevention begins with a consultation with a tree expert. This is especially true when you have a larger tree a tree greater than 45 inches in circumference which you will likely need injections administered by an arborist.

If that isn’t an option, or you would like to treat a small (less than 45 inches in circumference) tree the DIY way, you would need to visit a garden center to evaluate various insecticidal options. It’s always a good idea to speak to a specialist regarding consumer-grade emerald ash borer treatment. The best time to treat ash is during the springtime, between April and May.

You can also help your community fight emerald ash borer. If you spot signs of the pests’ activity in your own yard or in your neighborhood, be sure to alert your neighbors. While municipal agencies generally do not handle privately owned trees, you should contact your city’s streets department if you spot a city-owned treat affected by emerald ash borer.

Does Homeowners Insurance Cover Emerald Ash Borer Damage?

Most homeowners insurance does not cover the treatment or removal of trees infested by emerald ash borer or any other pest, fungus or disease.

However, if you have a tree that has been weakened or killed by the pest, and the tree falls due to covered peril such as a storm, fire or vehicle collision with the tree, your homeowners insurance may cover the resulting ash borer damage. Depending on your specific policy and coverages, your insurance may help pay for the cost of removing the fallen tree, repairing any property it has damaged (such as your home or garage, or any of your neighbor’s structures that were impacted) and any injuries caused by the falling tree.

However, it’s always best to be proactive. Don’t wait until a dead or dying treat has harmed your home or your loved ones! If you have a tree in concerning condition, get in contact with a local expert. Remember, you can always check in with your American Family Insurance agent (Opens in a new tab) for recommendations for contractors or if you have questions about your policy.

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    Roof and gutter covered in ice.
    Protect Your Roof: How to Prevent & Remove Dams

    Icicles may give your home a quaint look in winter, but they’re symptomatic of a bigger problem — ice dams. Ice dams can damage your home because they prevent melting snow and ice from draining properly. Ice dams can lead to mold, rot and water leaking into your attic and nearby ceiling. But don’t panic just yet. We’ve highlighted how to prevent and remove ice dams and ways to mitigate damage to your home from ice dams.

    Red house in the snow.

    What is an ice dam?

    What causes ice dams? Ice dams form when attic air becomes warm enough to heat the underside of the roof, which in turn causes the snow on top of the roof to thaw. The melting snow runs down the roof until it hits an eave or roof edge that is below the freezing point. The melted snow refreezes and creates a ridge of ice — an ice dam — which blocks further runoff. As snow continues to melt, it has nowhere to go but up, where it starts seeping under the shingles and into the house.

    Ice dams typically form near the edge of the roof when water runs off the warmed roof and then freezes again at the eaves, but this isn’t the only place you’ll find them. They can also form on gutters that don’t drain completely and around skylights because of the less-insulated design.

    Icicles hanging from roof's gutter.

    Why are ice dams bad?

    Ice dams can cause big problems for your home. The weight of these heavy icicles has been known to rip gutters from roofs and cause damage to the shingles on your home. But the damage doesn’t stop there. Damaged drywall and plaster, water-stained ceilings and peeling paint are also the result of ice dam damage.

    Ice dams increase the chance of water seeping into your attic and soaking your insulation. This significantly brings down its R-value or its heat-retaining/insulating capacity — and worse yet — it can cause structural damage if left unchecked. Over the years, the effects of ice dams can lead to blistering of the interior and exterior paint. It can also spur the growth of mold and mildew, as well as weaken structural beams and rafters. Take into account the high-cost contractors will likely charge to fix the problem and you’ll begin to understand why it’s wise to take a proactive approach to managing ice dams.

    Person inspecting roof for damage. 

    How to Identify Ice Dam Damage to Your Home

    If you suspect that your home has an ice dam, it’s important to first detect signs of ice dam leaks and assess the extent of the damage. It may be necessary to bring in a contractor for an estimate in order to have a solid understanding of how extensive the damage is. In the meantime, here are some DIY ideas to try out:

    Snap some photos

    From the exterior of your home, take a few photos that you can use as a reference to look for signs of water damage on the interior. Look for stains on your ceilings and walls near the position of the ice dam.

    Check your attic

    Get into the attic and look for water dripping or staining on the rafters and roofing underlayment. It can be helpful to flag these areas so that you’ll be able to locate them later.

    Inspect your chimney

    See if you can find evidence of ice forming around the base of the chimney, where it meets your roof. If the flashing has come loose or isn’t sealed well, this can be another place where ice and meltwater can do some damage. From inside the attic, review the way heat escapes from around the perimeter of your chimney. If you can see daylight through that seal, take action to seal it up as soon as possible.

    Snow and ice on a roof and gutters.

    How to Prevent Ice Dams

    The basic principle of preventing ice damns is keeping your roof cold. If your roof is cold, snow won’t melt as fast and an ice ridge will be less likely to form. Keeping your roof cold isn’t always as easy as it sounds, so we’ve got ice dam prevention tips for you.

    Ice dams are usually created when the attic is warmer than the air outside. Ideally, the insulation keeps warm air in your home and out of your attic. The venting system in your attic helps keep it cool and hopefully close to the temperature outside. Together, this clever combination keeps snow on the roof from melting — and if the snow doesn’t melt, then ice dams shouldn’t form.

    The key to preventing ice dams on roofs and in roof valleys involves increasing ventilation in your attic, adding insulation and sealing air leaks. This is not a quick fix but a permanent correction, so it requires some effort and, most likely, professional assistance. However, the long-run benefits include a roof free of ice dams and a more energy-efficient home. We’d call that a win-win.

    Worker insulating an attic.

    Follow these 10 steps to avoid ice dams:

    1. Increase ventilation. Keeping cold air moving under the roof is the first step toward preventing ice dams. The ridge and soffit vents are designed to do this, but they might require a professional inspection and baffles to improve the flow and provide a clear path for the air.

    2. Cap the attic hatch. If you have an unsealed attic hatch, a weather-stripping cap will keep the heat in your home and prevent it from creeping into the attic. Remember, you don’t want warm air coming up into the attic and melting snow on the roof, causing freezing and ice dams.

    3. Examine exhaust systems. Most homes have exhaust ducts in the bathrooms, kitchen and laundry room. These vents should all lead outdoors through the roof or walls. If they’re vented to the soffit, you’ll need to have that changed for permanent ice dam remediation.

    4. Check the insulation. Check to see if your attic floor needs more insulation. Maintaining this protective barrier at optimum depth helps your home stay warmer and more energy efficient while keeping the cool air in the attic.

    Worker fixing a chimney.

    5. Install chimney flashing. Do you have flashing, a metal strip that prevents water penetration, between your chimney and the house? If not, it’s time to add it and seal any gaps where ice, water and cold wind can sneak in. Remember, you’re working around the chimney, so using fire-safe products is essential.

    6. Caulk leaks. Anywhere electrical cables, vent pipes, satellite dishes and other penetrations occur in the roof, you stand the risk of having gaps and air leaks. Caulk these areas with a fire-stop sealant to keep them as air-tight as possible.

    7. Check the ducts. Make sure all ductwork through the attic is properly sealed and insulated. If you have an older home, it pays to check your heating ducts to make sure they’re not bringing excess heat into the attic.

    Worker fixing a light in the ceiling.

    8. Look at the lights. If you have can lights or other light fixtures in your ceiling that are not sealed, you’re releasing heat into the attic. You might also be putting your home at risk for a fire. For increased safety, change these lights to an IC-rated fixture, which allows for direct contact with insulation and insulate over the lights.

    9. Add an ice-and-water barrier. If you’re reroofing, it’s time to add an ice-and-water barrier. This is a great layer of protection. While many regions now require it, it wasn’t always mandated, so your home may not have one. An ice-and-water barrier needs to be added under a roof, so it’s cost-prohibitive if you’re not reroofing — but if you are, it’s the perfect time to add it.

    10. Keep your roof in good shape. One of the best answers to prevent ice dams is to maintain your roof well and ensure you have enough insulation to keep warm air from getting through. Installing a metal roof with a steep pitch can minimize your risk of leaks caused by ice dams.

    Person on a ladder fixing his gutters.

    Quick Fixes to Get Rid of Ice Dams

    While your goal is to permanently stop ice dams, you might need to use a few quick fixes in the meantime. These tips help you stay on top of ice dams and prevent damage to your home.

    Use a snow rake. After a heavy snowfall, give your roof a break by raking the snow off. This inexpensive tool pulls down the snow so it can’t melt and refreeze into an ice dam. Only use a snow rake from the ground or your deck, never from a ladder. And be careful not to break shingles, which can be brittle in bitter cold temperatures.

    Try calcium chloride. Avoid using rock salt as it can damage paint and metal on your home. But calcium chloride can help melt ice and get water flowing again.

    Install heat cables. Mount heat cables along the edge of your roof and through the downspout. That enables snow to melt and run down the proper channels.

    Steam it off. If you have an ice dam already and you can see that there is a leak coming into your home, you’ll want to remedy it as soon as possible. Check with local roofing companies to see if they have a steamer that can melt the ice off the roof without damaging your shingles. If it’s too big a job for just you, hire a roofing professional to steam off ice dams.

    Not having to worry about ice dams can be a huge relief in the winter months. You instantly free yourself from the immediate issues of a damaged roof and leaks. In addition, your home becomes more energy efficient and comfortable as the air quality improves if moisture isn’t sneaking in and forming mold and mildew.

    Person on a roof holding hail in their hand.

    Does insurance cover ice dams?

    If an ice dam damages your roof, don’t fret. It’s common for homeowners insurance to cover ice dam damage. American Family’s standard homeowner’s policy covers sudden and accidental damage from leaking roofs and damage from the weight of ice, snow or sleet.

    If you have more concerns about your roof insurance coverage or you’d like to learn how your homeowners insurance protects your roof and everything under it, connect with your American Family Insurance agent — they’ve got the answers you need.


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    Row of colorful new townhouses.
    Do I Need Homeowners Insurance for a Townhouse?

    Whether your townhouse is a rental, in a condo association or one that you own, you’ll need insurance for it. While homeowners insurance for a townhouse might seem appropriate, there are a few factors to consider before purchasing insurance. If you’re the owner of the townhome and aren’t part of a condo association, homeowners insurance is right for you — but if you’re part of a condo association, you’ll want to look at condo insurance. And finally, if you rent your townhome, go for renters insurance.

    New townhouse on a sunny day.

    What is the difference between a condo and a townhouse?

    Condos and townhomes may seem similar, but they have a few key differences. A condominium is typically a living space, either a townhome or apartment-style space, that is owned by a condo association and has shared common space among residents that their condo association fees pay for. If a townhome isn’t owned by a condo association, it’s not a condo.

    Townhomes are typically multi-story buildings that share at least one wall with another townhouse. They look a bit like row houses without easements between the buildings. They can be owned by a condo association, rented from a landlord or owned by individual homeowners.

    House with roof damage from a fire.

    What is covered under townhouse insurance?

    There generally isn’t such a thing as “townhouse insurance,” so to understand what’s covered, you’ll need to consider your living situation. If you’re living in a townhome that isn’t owned by a condo association, you’ll want to look into renters or homeowners insurance.

    If you own your townhouse:

    If your townhouse is solely yours and not part of a condo association, you’ll need a homeowners insurance policy to help protect your property. Home insurance for townhouses covers the same things that it would for a regular house, including:

    • Damage from fire, smoke, wind and other disasters or hazards
    • Damage to your home’s structure
    • Theft of or damage to your personal belongings
    • Liability protection if someone is injured on your property

    You can add other coverages to supplement your homeowners policy that can help cover expenses associated with appliance breakdown, flooding or even identity theft. Learn more about what homeowners insurance can help protect.

    For rent sign on townhouse.

    If you rent your townhouse:

    If your townhouse isn’t part of a condo association and you’re renting it, renters insurance can help you protect your personal property in the event of an accident or theft. Renters insurance for a townhouse can help cover things like:

    • Damage to your personal property from a fire
    • Replacing your personal property after theft
    • Liability protection if someone is injured in your townhome

    Even when you’re away from home, your renters insurance follows you wherever you go.

    People around a table, having a meeting.

    If your townhouse property belongs to a condo association:

    Condo association policies typically only cover common areas and the exterior of the building you live in, although some will cover the interior — but only in its original state. To be sure your personal property and any updates to the interior you’ve made are protected, like granite countertops to replace the original vinyl, you’ll want to get your own condo insurance policy.

    Condo insurance coverage helps protect the things not covered by your condo association’s insurance policy. This includes personal property and personal liability coverage, which can help cover expenses if someone is injured on your property. Even if your condo association insurance policy covers some things that a condo insurance policy might, you should consider condo insurance to take care of any gaps in coverage.

    New townhouse living room.

    Get the Townhouse Insurance Coverage You Need

    If you need help assessing your townhome to understand the right type and amount of protection you need, connect with your American Family Insurance agent. They can help you figure out if you need condo, renters or homeowners insurance and what kind of additional coverages you need to protect what matters most.

  • finished basement
    finished basement
    What Is the Ideal Humidity for a Basement?

    The humidity levels in your basement can impact your home and everyone living inside. It can also affect your valuables, electronics and appliances. In this article, we'll discuss ideal basement humidity levels. We'll also give tips to help you address, monitor and manage moisture in your basement.

    Father and son smiling in living room

    Normal Basement Humidity Levels

    Ideal basement moisture levels are between 30 - 50%. Anything below 30% is too low and can lead to structural changes in your home, causing gaps between windows and doors. Aside from health issues, insufficient moisture levels can also cause wood floors to creak and damage your belongings.

    Moisture levels above 50% can lead to mildew, mold and bacteria growth. That environment can cause serious health issues. Excessive moisture can also damage walls and carpets, causing your home and belongings to rot.

    Locating Your Basement Humidity Source

    One of the best ways to address basement humidity levels is to manage the moisture at its source. While consulting with a professional is always helpful, you can start your search using the following methods.

    Seal Off Drafts

    Gaps and cracks in windows, doorways and walls can cause excess moisture to collect in your basement. Sealants like caulking and weatherstripping can help close the gaps and fix the issue.

    Maintain Your Sump Pump and Vents

    If your sump pits and drains are not airtight, the excess moisture from the pipes can create a humid environment. Maintaining your basement's vents and sump pump can help you manage moisture levels. Consider getting it checked by a professional once every three to four months for optimal performance. 

    Repair Leaks

    Leaking pipes, washing machines and water heaters can affect your basement's humidity. They can also cause other issues, such as a spike in your utility bills.

    To spot them, look for wet spots, rust or condensation around these areas. Beyond helping you maintain healthy basement humidity levels, it helps you catch costly leaks early.

    Clean Gutters

    Clogged gutters can pool rainwater and melting snow around your home’s foundation. Consider positioning gutter spouts to draw water away from your home. Additional outside water can saturate your basement floors and walls, increasing moisture levels.

    woman in living room with cat and dehumidifier

    Managing Your Basement Humidity Levels

    Some humidity issues are more severe than others. However, there are several accessible tools you can use to maintain appropriate moisture levels in your basement and home. Consider the following tips.


    Several dehumidifier types, such as refrigerant, desiccant and whole-house ventilation systems, are available. They can help you manage moisture levels in your entire home, a single room or a crawlspace. All serve one purpose: To remove excess moisture from the area.   

    Before purchasing yours, consult an expert. They can help you find a suitable model and size that best addresses the humidity in your basement.

    Exhaust Fan

    Another excellent way to manage your basement's humidity levels is to keep it well-ventilated. Installing an exhaust fan is a great option if you can't accomplish that naturally.

    An exhaust fan should be installed in a window or exterior-facing wall to draw the moist air away from your basement. As a bonus, exhaust fans can circulate the air, which helps control unwanted odors.

    Chemical Absorbents

    If you need a fast-acting, inexpensive, moisture-removing option, chemical absorbers, such as silica gel, may be able to help. They're typically sold in home improvement stores and can be placed in other parts of your home as well.

    Humidity Monitor

    A humidity monitor can help you track your basement's humidity levels. Some dehumidifiers and exhaust fans come with them built in. You can also buy a stand-alone model that hangs on your wall.

    Water Leak Detector

    Water leak detectors help you catch leaks early and boast a variety of capabilities, such as sending real-time alerts to your phone.

    You can install them on sinks, appliances and water heaters. Getting one may also qualify you for our smart home discount.

    father and daughter doing laundry

    How American Family Insurance Can Help Protect Your Home

    Our standard home insurance may help protect you from sudden, accidental water damage. Qualifying events may include burst pipes or broken-down appliances.**

    If you want more protection from unexpected losses, talk to your American Family agent about the following coverages:

    • Hidden Water coverageProvides a broader net of protection for leaks you can’t see within the walls, floors, ceilings, cabinets or anywhere else that isn’t visible in your home.***
    • Inland Flood coverage: Helps you recover after a flash flood or other qualifying event.*** 
    • Flood insurance: With the National Flood Insurance Program, we offer flood damage protection for your home and possessions.†
    • Water back-up coverage: Helps mitigate the cost of repairs caused by water coming back into a home due to a backed-up drain or an overflowing sump.* 

    mother and daughter putting toys away

    *Coverage provided by adding the Inland Flood optional endorsement. This endorsement does not satisfy mandatory flood insurance coverage should it be required by your federally regulated lender for your home mortgage or loan. This insurance product is not affiliated with the National Flood Insurance Program (NFIP). Please check with your agent and read the policy and endorsements for exact details on coverage limits and exclusions. Coverage applies after the property deductible has been met.

    *This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for

    **Hidden Water Damage coverage is an optional coverage. May not be available in all states. Some restrictions apply to seasonal homes and manufactured homes. The leak must occur from within a plumbing, heating, A/C, fire sprinkler or a home appliance. Refer to your policy documents for coverage limit details. Coverage applies after the property deductible has been met. Mold damage limited to coverage limits provided by your homeowners policy.

    †American Family Insurance is a participating company in the National Flood Insurance Program (NFIP). NFIP is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). Flood insurance is a separate policy underwritten by NFIP.

  • a woman checks food expiration date
    Reimbursement for Power Outage Food Loss

    Power outages can cause a major disruption in your home — especially if they last for days! It may even result in damage or loss of frozen and refrigerated foods. The good news is your homeowners insurance may be able to help you recoup the losses.

    Let’s take a look to better understand if loss of food due to power outages is covered under your homeowners insurance policy.

    Insurance Coverage for Food Spoilage and Food Loss

    Your standard homeowners policy will provide some coverage for food loss due to a power outage or a mechanical failure of the refrigeration equipment — usually $500 or $1,000. So whether your power outage is caused be a tree in your yard falling on the line, or is from an outage that occurs off your premise, you’ll have some protection for spoiled food that results.

    Will a power company pay for spoiled food if they caused it? Actually, yes, sometimes utility and power companies reimburse the cost of food if they were at fault for the power outage. If that’s the case, it’s beneficial to reach out to see if reimbursement is a possibility.

    If your refrigerator malfunctions for reasons other than a power outage, your home warranty might cover any food spoilage. And while your homeowners insurance will provide some coverage, adding equipment breakdown coverage increases your limit to $10,000 for food spoilage caused by power interruption or mechanical failure.

    Submitting a Food Loss Claim

    If you plan on submitting a food loss claim, expedite the claim process for food spoilage by having the following on hand:

    • Documentation of the food that was lost
    • Pictures of the loss if possible
    • An estimated expense of the lost food
    • Any receipts for expensive items — like steak or lobster

    Compensation for Food Loss

    Remember that your homeowners insurance only covers up to the specified limit on your policy. For example, coverage for spoiled food has a limit of $1,000, meaning if your loss is above that amount, the most you’ll be paid is $1,000. Keep in mind that you may have to pay a deductible before your insurance will cover the rest. Knowing how much your deductible is and your coverage limit for spoiled food will help when deciding if it’s worth it to file a claim for food loss reimbursement.

    Get Insurance Coverage for Power Outage Losses

    Your homeowners insurance protects you in many ways — find out more about how the right homeowners coverage can bring you peace of mind.

    Not sure if your current policy covers food spoilage? Set up a personal insurance review to ensure you're properly protected.