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Report Claim

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.


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.