Property Damage Claims

If you have suffered a loss or damage to your property, and think Eversource may be responsible, you can file a claim with us.

Eversource evaluates claims promptly based upon an internal investigation and the information you provide.

Once the investigation is complete we will contact you with the results by phone, email, or in writing - usually within 30 days.

Answers to some common questions about the claims process can be found below. For additional another question or to report your claim via phone, please contact Eversource's Claims Department at 844-685-4475. Our staff will respond to you by phone within two business days.

Otherwise, please fill out our online claims application.


Eversource is not responsible for: food loss, power outages, voltage fluctuations or property damage caused by hurricanes, weather-related damage (such as lightning, extreme storms, wind, heat, tree-related damage,) or other acts of nature.

In addition, Eversource is not responsible for losses resulting from service interruptions caused by conditions beyond our control (accidents external to our operations, wildlife, vandalism, etc.)

Lastly, Eversource does not reimburse commercial customers for lost business.

Frequently Asked Questions

What is Eversource’s responsibility regarding a claim?
Our policy is to respond to claims promptly and fairly. While evaluating a claim we try to determine if there was negligence by determining:

  • How the incident happened.
  • Whether or not Eversource caused the incident.
  • The extent of the damage.
  • What state law would consider fair compensation or actual cash value.

We evaluate each claim based on the information you provide and our investigation, which may involve:

  • Review of all records.
  • Interviews of employees or witnesses.
  • A technical evaluation.

Our goal is to reach a liability decision on your claim within 30 days of receipt of all relevant information.

If the claim involved complex issues, or additional information is needed, the process may take longer. When our investigation is complete, we will call or send you a letter informing you of our decision.

What is actual cash value?
Actual cash value (ACV) is computed by subtracting depreciation from replacement cost. The depreciation is usually calculated by establishing a useful life of the item determining what percentage of that life remains. ACV is not equal to replacement cost value (RCV).

What is the customer’s responsibility regarding a claim?
To ensure a timely, efficient claims process, we recommend you do the following:

  • Retain copies of all receipts for a full and accurate assessment of any loss or damage suffered.
  • Take photos of all damages.

Can I file a claim with an insurance company instead?
Yes, you may wish to refer your claim to your insurance company. The insurer may be able to reimburse you for your losses and will, in some cases, pay replacement value for damaged items.