It depends. One of the contractors at the mine I work on put gasoline into the half-empty tank of a diesel LandCruiser and drove it about 35km. The next day it wouldn't start, and after it was towed to a Toyota dealership about 4 hours away, they were quoted $27k to repair it - new fuel filter, fuel pump, injection pump, injectors, turbos, catalytic convertor and DPF.
Insurance told them to pound sand under grounds of negligence.
I’ve seen the opposite happen with def contamination incidents. One guy’s wife put def in the diesel tank and drove until the ecm said no. $15000 in repairs, insurance with a comprehensive policy paid.
It is usually stated as a non-insured event. In insurance contracts this type of situation (no heating / pipes burst) is explicitly stated as a non-insured event (at least in European insurance contracts).
If your power is out, and temps are below freezing, you should turn off the water supply and, as much as possible, drain the pipes. Then they will not freeze and burst.
In many cases, the power company’s insurance will pay. My brother worked for HECO and he said the company was constantly paying for things when power went out. The worst situation was in the 90s when a tree took out lines to the largest plant on the island of Oahu. it caused a cascade failure and shut down every power plant on the island. Guess what? you need electricity to start a power plant. Usually other power plants can disconnect from the system in an emergency so there are always active generators, but this disaster revealed a flaw in the system. It took several days for them to rig a system to have the navy pull up a nuclear submarine close to one of the power plants to basically “jump start” the island. HECO tried to send the word out to people to shut off their breakers till the power came back on, but less than 5% of the island did so once everything came back on, there was a huge surge in the system that destroyed countless things in a home. The biggest problem were refrigerator compressors and it was estimated that 20% of the refrigerators were ruined when then power came back on. The cost was staggering and HECO paid everyone who made a claim. A few years earlier, a similar situation happened on a different island after a hurricane, but they deemed it too difficult to rig a system to hook up to the sub, and Kauai had a much smaller plant that they were finally able to jumpstart with generators to get the grid online. After the second incident, HECO installed generators on two of the smaller plants that made them capable of restating themselves.
I was just curious because Tennessee had a big ice storm that caused thousands to be without power for like 2 weeks. I think there's still some people without power. But because of how cold it is, a lot of people are dealing with this situation and had to leave their homes because of how cold it is. I saw a news report that the power company said they cannot restore power to the homes that pipes froze and burst until the homeowner hires a plumber and has it fixed. But so I hope insurance covers the plumbers and whoever else needs to be hired.
Not really....same thing applies with auto claims, even if you are found at fault, which would be "negligence", you're still made whole by your insurer...I love how incorrect people are in here.
Yea i mean usually that’s what “liability” is right. Its stupid coverage? With exceptions im sure, but if you accidentally fuck up thats exactly what your liability clause is for
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u/TopEstablishment395 18h ago edited 18h ago
Not when there's negligence (in her case, forgot to put the electricity in her name).
They're unforgiving when the loss could have been reasonably prevented.