How does insurance cover electrical damages?
Electrical damages can have very negative consequences, both on the continent and in the contents in a home. For this reason, it is important to know what are the most common insurance coverages against damages resulting from an electrical problem.
Though they are not as common as damages to the contents of a home, we must not forget that significant damages can also occur in electrical installations. In addition, in these cases, the economic cost tends to be much higher than with physical contents.
Insurances tend to cover the fixed components that form part of an electrical installation, such as the cables, plugs and switches installed. Of course, this damage may not end up starting a fire, because for these cases, there are specific fire coverages.
To claim coverage for damages in the continent, we must correctly prove their cause with a technical report from an expert. In addition, it is normal for the insurer to verify that the payment of the supply is up-to-date and that the breakdown is not the result of the electrical panel being manipulated.
Electrical damages to contents of the home are the most common, and are frequently caused by incidents in the grid, such as voltage surges and drops. In this case, all of the necessary documentation will also be requested to determine its origin.
What electrical damages does the insurance not cover?
In general, insurance does not cover damages to property outside the home. Electrical devices over 10 years old are not usually covered either. In the case of home appliances that are used intensively, such as electric heating systems, this number of years may be considerably shorter.
Light bulbs, light fixtures and any aesthetic damages that may occur also tend not to be covered, unless they affect the normal functioning of the damaged electrical device.