•1 min read•from Hawaii News, Advice, and Aloha
Question regarding recent storms and home insurance
Our take
Recent storms and power outages can lead to significant damage, including to home appliances like your mini-split system. In your case, a 30,000 BTU unit that has failed after being reconnected to the grid may be eligible for coverage under your homeowners insurance. To determine if your policy covers such incidents, review your specific coverage details regarding power surges and appliance damage. Documenting the damage is crucial, and you may need to provide evidence of the power surge. Contact your utility provider, HECO, to inquire if they can supply documentation regarding the outage or surge that may have affected your unit. This information can help strengthen your claim and facilitate the process of getting your system replaced.
So with the recent storms and power outages / surges my old (12 year) mini split system has crapped the bed. Totally fried upon close inspection of the inside cards.
This 30,000 BTU unit is something like 5+ grand for a new equivalent.
Would my homeowners insurance cover this?
And if it does how do I go about proving a power surge? Does HECO provide something upon request
Edit: this happened directly after my house got reconnected to the grid a few weeks ago but was only made aware that this *could* be covered recently
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#homeowners insurance#recent storms#power outages#power surges#mini split system#30,000 BTU#proving a power surge#HECO#reconnected to the grid#repair costs#home insurance coverage#insurance claims#equipment damage#appliance failure#home repair#insurance documentation#loss of power#insurance policy#claim process#replacement costs