Damage Claim

SECO Energy is committed to providing our members with safe, reliable electric service. We design, build, maintain, and operate our facilities in accordance with RUS standards and applicable regulatory requirements to deliver a steady and stable supply of power.

Despite these efforts, SECO Energy cannot guarantee continuous, adequate, or non-fluctuating service. Equipment failures, severe weather, interference from wildlife or vegetation, and other factors beyond SECO Energy’s control may result in service interruptions, power surges, or voltage irregularities that could cause damage to members’ property.

Under rules approved by the Florida Public Service Commission (PSC), SECO Energy is not liable for damage claims related to outages, low voltage, or power surges caused by:

  • Severe weather or other circumstances beyond SECO Energy’s control
  • Repairs or routine maintenance, including meter exchanges
  • Energy curtailment or blackout events

In accordance with SECO Energy’s Board Policy 207, Terms and Conditions of Service, our claims team investigates damage claims when the cause of the damage is determined to be within SECO Energy’s control.

To determine whether you are eligible to file a claim, please review the following information carefully.

Important Information

Overview

Cooperative Liability:
Before submitting a claim, please note that under SECO Energy’s Terms and Conditions of Service (Policy 207.2), the Cooperative: 

“Does not ensure, guarantee, or warrant that it will provide adequate, continuous, or non-fluctuating service.”

The Cooperative is not liable for damages, costs, or expenses, including attorney fees, resulting from inadequate, non-continuous, or fluctuating service, unless such damages are caused by gross negligence or willful misconduct. The Cooperative’s responsibility for service ends upon delivery of electricity to the member.

Claim Submission Deadline:
Claims must be submitted within 60 days of the incident. Claims submitted after this period may not be eligible for review.

Contractor Responsibility:
SECO Energy works with contractors who may be directly responsible for certain damages. If a contractor is determined to be at fault, your claim may be forwarded to them for further investigation and resolution.

Frequently Asked Questions

SECO Energy members often have questions about responsibility for damage caused by lightning, power outages, or other events, as well as how to file a claim . The following FAQs provide guidance on the claims process and common scenarios.

Submit a Damage Claim

Is this a Residential or Commercial Account?
Mailing Address
Address of Incident Same as Mailing Address?
Incident Address
I have SECO Energy’s Surge MitiGator™ installed at my service address.
Was this incident weather-related?
Item Description Make/Brand Model Age Amount Claimed Weight
more items
Maximum 3 files.
10 MB limit.
Allowed types: jpg, png, pdf.
Will You or Have You Filed a Claim with Your Insurance Company?
Link to Terms & Conditions

Acknowledgment and Agreement*

By providing my electronic signature below, I affirm that the information provided in this Damage Claim Form is accurate and truthful to the best of my knowledge. I understand that submitting false or misleading information may result in the denial of this claim and/or legal action.

I further agree that by executing my signature electronically or digitally shall be considered as an original signature for all purposes and shall have the same force and effect as an original signature. I agree and understand that by typing my name and acknowledging the Electronic Signature Acknowledgment, that all electronic signatures are the legal equivalent of my manual/handwritten signature and I consent to be legally bound to this agreement. By signing this form electronically, I acknowledge my understanding and acceptance of all terms and conditions stated herein.

Sign above