Cottage Q&A
QUESTIONA big tree took down the power lines at my cottage, not just the portion of the line that's Hydro's responsibility, but also the part of the line we own. Who's responsible for fixing our side? Will insurance cover it?
ANSWER
Hydro One is only responsible for "secondary lines" - recognizable because they are encased in black plastic - that feed into your building. The repair and maintenance of "primary wires" - those without thick insulation - that are privately owned, as well as all poles on your land, are your responsibility, as is the mast attached to your cottage that feeds wires into the building. Don't touch any power line that comes down at your cottage - even if you believe it is not live. Immediately call your local hydro provider, who will dispatch a team to assess damage and repair utility-owned wires or transformers. If the wire is your responsibility, they will recommend you contact an electrician who is certified for line work. Larry Blodgett of Blodgett Electric in Bobcaygeon, Ont., says you will pay $500 or more to have your downed electrical line repaired. Hydro One spokesperson Al Manchee says that one way of minimizing outages on your property is to trim trees that may damage a wire. Hydro One will disconnect and reconnect your power for free once a year to allow you to carry out any maintenance. (It charges $185 for a second disconnect.)
According to Geoff Solomon, branch manager at HJM Insurance & Financial Services in Meaford, Ont., a cottage insurance policy is distinct from a homeowner policy and probably covers only "named perils" (risks spelled out in the policy), typically fire, wind, and sometimes theft. A cottage or seasonal policy will not cover food spoiled in a freezer or damage from frozen pipes, but should extend to replacing a downed wire. (Though Solomon says, in his experience, the cost of a simple repair frequently comes in close to a $500 deductible.) Cottagers can also purchase additional insurance to replace downed hydro poles. Those who use their property year round can purchase seasonal homeowner or secondary homeowner coverage. Slightly more expensive than a standard home policy, it would typically cover major expenses resulting from power outages, such as the repair of frozen pipes and the cleanup of any resulting flooding. Anyone uncertain about their coverage should contact their insurance representative before something happens.
* Published in the November/December 2006 issue of Cottage Life
