Spoiled foodSome people lost hundreds of dollars of food that spoiled in their fridges and freezers when the power went out. Your insurance company may not tell you, but if you request reimbursement for the groceries you lost, you can probably get up to $500. On the first page of your homeowners’ policy, called the declarations page, look for a “food endorsement.” Not all policies include this. We asked if the insurance company would reimburse for hotel costs if there was no damage in the home, but it was unlivable because there was no power. And it was $700 this month.’ Well, the insurance company will reimburse you for that.