Damage Claim

Occasionally, Homer Electric Association, Inc. (HEA) members ask who is responsible for damage to their home and appliances resulting from power outages or other causes, and how to file a claim for losses. For your convenience, we have included frequently asked questions and a claim form below.

DAMAGE CLAIM Q&A

What is HEA's Damage Claim Policy?

It is our policy to respond to claims quickly and fairly. We evaluate each claim case-by-case based on the information you provide and through an investigation. This can take some time, depending on the complexity of the incident and the quality of information you provide. Please note: Because the Association cannot guarantee normal operating standards at all times due to circumstances beyond its control, the member is responsible for providing suitable protection against phase failure or excessive voltage fluctuations. Members are also responsible for providing protection against electrical overload. (Protection of equipment clause per HEA Tariff, Section 4.8 (a))

What is the responsibility of the claimant?

As a claimant, you have a responsibility in this process. You should retain copies of all receipts so you can provide full and accurate documentation of any loss or damage sustained. Make sure that losses or expenses incurred because of the incident are reasonable in relation to the loss.

Who is liable for damages to appliances & electronic devices caused by acts of nature or equipment failure?

HEA cannot be held liable for damages caused by acts of nature or equipment failure. The member assumes liability for losses related to power outages or voltage fluctuations caused by animal contact, weather-related events or equipment failure.

Is HEA liable for damages caused by power interruptions?

Not necessarily.  Protection of equipment clause per HEA Tariff, Section 4.8 (a)Because the Association cannot guarantee normal operating standards at all times due to circumstances beyond its control, the member is responsible for providing suitable protection against phase failure or excessive voltage fluctuations. Members are also responsible for providing protection against electrical overload. 

The process of reviewing damage claims involves investigating the occurrence to determine if it was a result of negligence on behalf of HEA or by contractors of HEA and verifying that proper procedures were followed.

Are there other damage claim options?

You may wish to refer your damage claim to your insurance company. The insurer may be able to reimburse you for your losses without an investigation.

What can I do to minimize loss?

Ensure that your equipment, wiring and electrical system are properly maintained and up to code. See our Maintenance Responsibilities.

How do I file a damage claim?

To file a damage claim, you will need to:

  1. Fill out and submit a form to begin the investigation/review process.
    • Interactive forms can be found below or a printable PDF versions are HERE, in-person at one of our offices, or via one of our Member Service Representatives at 800-478-8551 (press 0 for Member Services) to receive a form.
  2. Gather and copy all receipts and/or estimates of repair work and original sales receipts for the items you are seeking compensation. HEA is not assuming liability at this point. 
  3. Completed damage claim packets can be submitted below, via email, USPS, or dropped off in person at one of our offices. If you are using USPS all correspondence, receipts and estimates should be mailed to: HEA, attn: Damage Claims., 280 Airport Way, Kenai, AK 99611.
  4. After receiving your damage claim form, we will forward the claim to our insurance carrier for review and follow up.

Have questions about a claim you have submitted? Contact one of our Member Service Representatives at 800-478-8551 (press 0 for Member Services)

DAMAGE CLAIM FORM 

If you wish to file a claim, complete the form below and submit any receipts and/or repair estimates to support your claim.

In order to evaluate your claim, please provide detailed information about the incident. Before submitting a claim to HEA, please note: Because the Association cannot guarantee normal operating standards at all times due to circumstances beyond its control, the member is responsible for providing suitable protection against phase failure or excessive voltage fluctuations. Members are also responsible for providing protection against electrical overload. (Protection of equipment clause per HEA Tariff, Section 4.8 (a))

Alaska Statutes require that this notice be included on all claim report forms: A person who knowingly and with intent, injure, defraud, or deceive an insurance company, files a claim containing false, incomplete or misleading information, may be prosecuted under state law.

Damage Claim Form

  • MEMBER INFORMATION

    The party listed below submits the following report and information relating to damaged property. Information marked with an * is REQUIRED.
    If no, please provide the account holder's (Landlord, Roommate) information in the next section below.
  • PLEASE FILL IN THIS SECTION:

  • Member account number
  • Loss Information:

    Information marked with an * is REQUIRED
  • MM slash DD slash YYYY
  • :
  • DESCRIPTION OF DAMAGED PROPERTY

    Please include copies of all receipts
  • Item Description: Item/Make/Model/Serial No.Age of ItemRepaired or Replaced?Replacement CostRepair Cost 
  • Other comments regarding damaged items
  • Drop files here or
    Accepted file types: jpg, pdf, Max. file size: 10 MB.
    • PROTECTION OF EQUIPMENT CLAUSE PER HEA TARIFF SECTION 4.8 (a):

      Because the Association cannot guarantee normal operating standards at all times due to circumstances beyond its control, the member is responsible for providing suitable protection against phase failure or excessive voltage fluctuations. Members are also responsible for providing protection against electrical overload.
    • ALASKA STATUTES REQUIRE THAT THIS NOTICE BE INCLUDED ON ALL CLAIM REPORT FORMS:

      A person who knowingly and with intent, injure, defraud, or deceive an insurance company, files a claim containing false, incomplete or misleading information, may be prosecuted under state law.
    • MM slash DD slash YYYY