Category: Damage & Recovery

After suspected surge damage, safety and documentation matter more than proving a cause on your own. Coverage can depend on the event, policy wording, exclusions, deductibles, sublimits, evidence, and notice requirements; equipment warranties and connected-equipment programs have separate conditions. This archive provides a bounded homeowner path for recording what happened, preserving receipts and photos, avoiding unsafe re-energization, contacting the utility or insurer when appropriate, and arranging qualified evaluation. It does not interpret a specific policy, promise coverage, or imply that installing an SPD guarantees claim approval or discounts. Begin with the post-surge response guide, then use the insurance article to prepare questions for the actual policy and insurer.

Keep the response factual and time-stamped so later technical, warranty, or coverage questions begin with usable evidence.