Report Liability Claims

Need to report a claim?

Use our online form to get started.

Understanding our claims policy and process

We understand that property damage and loss create additional stress and can sometimes pose a financial burden. If you believe Duke Energy caused a loss for which you should be compensated, you may submit a claim using our online form. To evaluate your claim fairly and respond promptly, we’ll need you to provide certain information and documentation.

Be aware that Duke Energy is not responsible for food loss, power outages, voltage fluctuations or property damage caused by acts of nature. This includes but is not limited to hurricanes, snow, ice, lightning, floods, extreme storms, heat or wind.

If Duke Energy is proven to be responsible for all or a portion of a loss, we will do our best to determine the reasonable amount of that loss and resolve the claim. Keep in mind that Duke Energy uses depreciation to determine compensation for equipment loss.

FILE A CLAIM

We are committed to providing a continuous and reliable supply of electricity to our customers. However, like all other utilities, our company cannot guarantee continuity of service. Therefore, Duke Energy will not be liable for damages caused by circumstances beyond our control, including but not limited to:

Power outages, voltage fluctuations or property damage caused by weather-related conditions (i.e., hurricanes, lightning, floods, snow, ice, extreme storms, heat or wind) or other acts of nature.
Damage caused by the negligence of a third party (someone not employed by Duke Energy). Example: A driver crashes into a utility pole and causes a power outage.
Losses due to animal contacts.

You can help us process your claim faster by completing the online form thoroughly. Include photographs as needed, and provide complete and accurate supporting documentation such as:
- Property damage: Detailed repair estimates and/or invoices or purchase records (make sure to indicate model number, serial number and year of any equipment for which you are seeking compensation). Take photos of the damaged items.
- Personal injury: Copy of medical records and receipts.
- Lost wages: Amount of time you were unable to work due to personal injury, verification of lost time from your employer, payroll stubs showing your hourly or daily pay rate. The time you spend to pursue your claim is not compensable.
- Lost revenues: Tax records and/or bank statements, payroll records, revenue and expense statements, and sales receipts.
- Miscellaneous losses: Hotel and restaurant receipts, car rental receipts directly caused by your loss.
Duke Energy evaluates all claims fairly. If your claim is denied, we will explain the reason for the denial. If you are not satisfied with our decision and explanation, you may request an appeal of the decision by contacting the Sedgwick claims representative with whom you have been communicating and advise them of your concern. You also have the right, at any time in the claims process, to file a court action, including a small claims action, according to the laws in your state.

Need to report a claim?

Understanding our claims policy and process

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Need to report a claim?

Can I file a claim with an insurance company instead of Duke Energy?

Can I speak to someone at Duke Energy about my claim?

Is there a time limit on filing a claim?

What documentation do I need to file a claim?

What if my claim is denied?