Image of a general contractor and client shaking hands.

How to Find a General Contractor

Updated January 1, 1 . AmFam Team

Renovating or adding on to your home can be a stressful process. And trying to find a reliable, trustworthy contractor to take on the job can be difficult! With a little extra effort, you can find the best contractor for the job and have confidence that your project is in good hands.

If you want to do some renovations around the house, whether it’s a big fix or small repair, a good general contractor can help you get things done, on time and on budget. An added benefit? When you hire a contractor, you won’t have to worry about enlisting the help of friends and family who lack handyman experience — you can trust that your job will get done with the utmost care. And with these best practices in mind, you’ll find a contractor who won’t leave you second guessing your decision.

Hiring a General Contractor Checklist

In a hurry? Want to get your project going as soon as possible? Reference our handy checklist, check all the boxes and get a move on your home improvements:

Do your research. The Better Business Bureau and local court records are excellent resources for finding any past issues connected to a contractor. It’s also a good idea to dig into professional disciplinary boards in your region. These steps can take some extra time, but you’re putting your home in this person’s hands, so being proactive about protecting your home is a smart move.

Asking your friends and family for a referral is a great way to find a quality contractor, too — and contractors know word of mouth is a great way to do business! Start out by asking those closest to you if they know any good contractors. If you come up short there, go ahead and Google it. There are a ton of great referral resources online.

Shop around and get estimates. You don’t have to go with the first contractor you reach out to — have a detailed idea of what you need them to do in your home and ask for an estimate. Then, do the same with other contractors you’re considering and compare those estimates with your research and other criteria to make a decision.

Review their completed projects. A good, experienced contractor will have examples of their previous work to help show their skills and abilities. Even better — find a project they’re currently working on and ask the homeowner if you can stop by to see them in action on the job. Check out how clean the jobsite is. How many people are working? Does it look safe and are they being respectful of the homeowner’s property? Checking references of previous and current customers might be the best way to judge the quality of your contractor’s work.

Insist on proper permits. Most home renovation projects require permits. If a contractor suggests skipping the permits to save money and time, it’s time to find a different contractor. If you don’t get the proper permits, you could be at risk of violating local ordinances, and that could lead to a fine. And when you have the right permits, it means the work will be properly inspected by the city or county to ensure everything is up to code.

Check the licenses. Municipalities can vary on licensing requirements, but a license of some sort is typically required. Check to see what your area recommends and then make sure the contractor you’re interested in is up to date.

Verify insurance coverage. Get a copy of the contractor’s insurance policy and speak with your agent so you know what’s covered by your homeowners insurance and what’s covered by the contractor’s business insurance.

Ask the right questions. Asking the right questions can help you paint a picture of the preparedness, responsibility and overall quality of a contractor. Not sure what to ask? Try these to get the conversation started:

  • What are their specialties?
  • Do they handle jobs like yours regularly and is the size of your project within their scope?
  • Do they subcontract any of the work? If so, will they provide you with information on the subcontractors?
  • How long have they been in business?
  • Do they have the proper licenses for your municipality?
  • Will they give you a list of references or previous clients that you can call?
  • When can they start working and how long will it take?
  • How many projects will they have going at the same time?
  • How do they handle permitting?
  • How much will the entire project cost and how much of that is for supplies?

Plan on interviewing at least three different contractors and getting a written bid from each one. Once you have your three (or more) bids, don’t be afraid to negotiate on price.

Final Considerations Before Hiring a Contractor

Once you’ve done your research, compared the numbers and work of your potential contractors, it’s time to make a decision. When making that decision, make sure to complete these two steps:

Confirm the terms and schedule the work. Once you’ve got a clear picture of each of your potential contractors and their work, it’s time to negotiate, decide on the terms of the agreement and schedule the work.

Get it in writing. Having even the finest of details for your project agreed upon with the contractor is a great move, but it’s best if you can have everything ironed out, itemized and signed in a contract. If changes are made along the way, get them in writing, too.

Other Home Contractor Considerations

We’ve given you the must-dos — but there’s plenty of other steps you can take to be even more certain that you’re picking the right contractor. Check them out:

Talk to your agent. Your American Family Insurance agent (Opens in a new tab) is a great resource and always to help. They know and work with local contractors, especially in storm damage situations. They’re likely to have trustworthy recommendations on reliable contractors, too. And, if a storm is the reason for your renovations, they can help you get started submitting any applicable storm damage insurance claims.

Consider the materials. Another great topic to discuss with your American Family Insurance agent before you begin construction is if there are homeowners insurance discounts for using certain materials or having upgraded or renovated systems. Going with the cheapest bid and the cheapest materials may actually cost you in the long run. Being an informed consumer gives you the finished product you want, plus the potential to snag some discounts down the road.

Stay local. In major storm situations, outside contractors may venture to your area, baited by the opportunity of new business. But along with those reputable contractors come those looking to take advantage of storm victims. If at all possible, try to stick with local contractors who have ties to the community and a reputation to uphold. They’ll also be better versed on where to find subcontractors and supplies in your region and are more likely to comply with local licensing requirements.

Learn what you can about subcontractors. It’s not uncommon for a general contractor to have a few subcontractors they use regularly for specialized jobs. If your contractor is going to be using subcontractors, take time to learn more about who they are, what they do, what that means, how payments are handled and other finer details. The more you know about the team working on your home, the better you’ll feel about the job getting done right.

Watch for lowball bids. If one of the bids comes in way lower than the others, it may be tempting — but it’s probably not a good idea to go with that contractor. When one contractor is really out of range of the others, it might suggest they are cutting corners. The money you think you’re saving now could lead to big expenses down the road.

Don’t pay everything up front. While it’s expected that you’ll pay something up front in order to buy materials, you should never pay the entire bill before the work is done. If you’re being pressured to make a full payment before the work even starts, it’s probably in your best interest to walk away from that contractor. If you can, set up a payment schedule. Make a down payment at the start, a bit more at certain milestones and pay majority of the balance at the end, when every detail is done to your satisfaction. Both parties should feel comfortable that the payment schedule is fair.

If you’ve found a great contractor who you trust to deliver a quality job, on time and at a price that’s fair, you’ve discovered a real gem. Let them know that you appreciate the way they handle their business and how they treated you and your home. Offer to be a referral for them or write them a sincere review. A little appreciation can go a long way!

And after the job is done, get in touch with your American Family Insurance agent (Opens in a new tab) again to make sure you’ve got the right amount of homeowners insurance to protect you from the unexpected and give you the peace of mind you deserve.

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  • Roof and gutter covered in ice.
    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.

     

  • Row of colorful new townhouses.
    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.

    Dehumidifiers

    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.