The short answer
What Usually Gets Covered
Homeowners insurance often covers electrical damage when the cause is sudden and accidental. Lightning strikes, power surges from the utility grid, and short circuits caused by a storm may be included. If a tree branch falls on a power line and damages your home's wiring, that could also fall under your policy's dwelling coverage.
Damage to electronics and appliances from a covered surge may be included as well. Some policies have limits for electronics, so check the fine print. If the damage leads to water intrusion, such as a burst pipe near electrical panels, the water damage might be covered separately. Keep records of any repairs or inspections.
What Is Often Excluded
Gradual damage is a common exclusion. If wiring degrades over time due to age, poor installation, or lack of maintenance, your insurer may deny the claim. The same goes for damage caused by pests, like rodents chewing through cables, because that is considered preventable.
Power surges from inside your home, such as from a faulty appliance, are also often excluded. If you have a home office, business equipment may not be covered under a standard policy. Review your policy documents to see exactly what is listed as a peril and what is excluded.
- Sudden events like lightning or a utility surge
- Water damage from a burst pipe that affects wiring
- Damage from a short circuit caused by a storm
- Electrical issues from aging or poor installation
- Damage from pests or lack of maintenance
- Business equipment in a home office
How to File a Claim
If electrical damage occurs, document everything before cleanup. Take photos and videos of the damage, including any scorch marks, melted wires, or affected appliances. Note the date and time of the incident. If you have a surge, check if your utility company has a claim process for power surges.
Contact your insurance company as soon as possible. They will guide you through the claims process. Be honest about the cause. If a pro inspects the damage, keep their report. That report can help your insurer understand the extent of the damage. Do not attempt major electrical repairs before the adjuster sees the damage.
Prevention Tips for Homeowners
Preventing electrical damage starts with simple habits. Use surge protectors for sensitive electronics. Have an electrician inspect your home's wiring every few years, especially if you live in an older home. In areas with frequent thunderstorms, a whole-home surge protector can guard against utility surges.
Keep trees trimmed away from power lines. If you notice flickering lights, warm outlets, or a burning smell, address them immediately. An electrician can identify issues before they become major problems. Regular maintenance can reduce the risk of a claim and keep your home safe.
When to Call a Professional
After electrical damage, safety comes first. If you see exposed wires, smell smoke, or hear buzzing, leave the area and call an electrician. Do not touch damaged wiring. Once it is safe, a qualified electrician can assess the damage and make repairs. They can also provide documentation for your insurance claim.
If the electrical damage led to water damage, such as from a fire suppression system or a burst pipe, you may need a water damage inspection. That inspection can identify hidden moisture and help you plan restoration steps. Look for local pros who specialize in water damage to handle the drying and cleanup.
- Call an electrician for any signs of burning or sparking
- Turn off power at the breaker if it is safe to do so
- Keep receipts for any emergency repairs
- Take photos before any cleanup begins
- Ask your electrician for a written report
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Call Now (817) 799-6732Frequently asked questions
Does homeowners insurance cover power surges?
It depends on the cause. A surge from lightning or the utility grid is often covered. Surges from your own appliances are usually not. Check your policy for specific language. If you are unsure, call your insurance company to ask about surge coverage.
What should I do immediately after electrical damage?
Safety first: turn off the main breaker if it is safe. Do not touch wet wires. Call an electrician to assess the situation. Then document the damage with photos and contact your insurance company to start a claim.
Can I claim electrical damage to my appliances?
Possibly, if the damage is from a covered peril like a lightning strike. Many policies have limits for electronics, so you may not get full replacement value. Review your policy or ask your insurer about appliance coverage.