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Damage Claim

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Dear Customer/Claimant,

It is unfortunate you sustained a loss.  You may file a claim to seek recovery of your damages; however, please review the information below concerning Atlantic City Electric's liability limitations, documentation requirements, and claims handling procedures prior to completing the Claim Form.  The Claim Form is a request for information only and does not constitute any admission of liability on the part of Atlantic City Electric.


As a regulated public utility, Atlantic City Electric's liability is limited under the law, and, as such, the Company is typically not legally responsible for losses caused by service interruptions or voltage irregularities.  The Tariff under which Atlantic City Electric is governed can be viewed in its entirety on the Company's website at:


The Atlantic City Electric Tariff states in relevant part:


8.1 Company Liability:

The Company will use reasonable diligence in furnishing a regular and uninterrupted supply of energy, but in the event such supply is interrupted or fails by reason of, including, but not limited to, an act of God, a public enemy, accidents, strikes, legal process, governmental interference, breakdowns of or injury to the machinery, transmission lines or distribution lines of the Company or extraordinary repairs, the Company shall not be liable for damages.


Examples of Other Limitations:


  • Claims for service interruptions or damages resulting from weather related events (i.e., "Acts of God"), tree or wildlife contact, equipment failures, vandalism, scheduled outages, normal operating procedures, or any cause beyond our reasonable control, will not be reimbursed by Atlantic City Electric.


  • Claims resulting from acts of third parties, such as damages caused by contractors or motor vehicle pole hits, are not compensable by Atlantic City Electric.


  • If a contractor working on behalf of Atlantic City Electric caused damage to your property, the claim will be referred to the contractor for handling.  Contractors are responsible for their own operations and should carry liability insurance for such claims.  Atlantic City Electric will assist our customers by directing them to the appropriate contractor; however, Atlantic City Electric has no authority over how the contractors and/or their liability insurance carriers handle and/or resolve claims.


  • Claimants have a duty to mitigate damages and minimize losses.


Please keep in mind if Atlantic City Electric is not legally responsible for your damages, you may have an insurance policy that covers your loss.  You are encouraged to contact your insurance carrier for specific coverage information.


You must provide proof of your alleged damages as well as the cause of the damages with the submission of your Claim Form.  Examples include:  invoices, bills, receipts, estimates, statements, photos, and any other information which can substantiate your claim.   A final decision will not be rendered until such proof has been received.


You are responsible for retaining your own contractors for the purposes of determining the cause and extent of damages to your property allegedly damaged due to Atlantic City Electric's operation.  You are also responsible for retaining your own contractors for the purposes of repairing or replacing your property allegedly damaged due to Atlantic City Electric's operation.  Atlantic City Electric does not recommend any contractors.  *There is one notable exception to this policy - Atlantic City Electric will in most instances handle the property restoration of secondary damages caused by us while we were in course of completing our work (Example – Atlantic City Electric truck left "ruts" in your lawn).


If your claim is for property restoration, provide photographs of the damage.  We may request you provide written estimates from two contractors at later date if necessary.


If your claim is for property damage repair (e.g., appliances, electronics, or HVAC), a written estimate or repair bill must be provided.  If you choose not to repair, a written estimate is still required.  If an item is not repairable, provide a written statement from a certified repairperson stating the cost to repair would exceed the cost to replace, along with a copy of the original purchase receipt, and a written estimate or bill for the replacement cost.


If your claim is for spoiled food, medicine, or other perishable merchandise, items should be inventoried, photographed, and then disposed of in accordance with best sanitation practices.  In addition, provide itemized prices, a total for all items, as well as any purchase receipts.


If your claim is for the repair of a vehicle, provide photographs of the damage and written estimates from two repair shops.  Photographs of the incident scene at the time of occurrence would be helpful as well if available.


If your claim is for lost wages, provide paystubs from the two pay periods immediately prior to the incident.


If your claim is for loss of business income, provide complete tax returns from the past two years.


Photographs should be taken of all damaged property at the time event occurs or when discovered, and before items are discarded.   All invoices, bills, receipts, estimates, and statements submitted for consideration must be written on company letterhead.  Requests for such proof shall not be construed as an agreement to pay a claim.  Atlantic City Electric reserves the right to inspect or request an independent appraisal of damaged property for the purposes of evaluating the validity of the claim and determining fair and reasonable repair cost or value.  Should Atlantic City Electric choose not to inspect, such decision shall not constitute a waiver of any of Atlantic City Electric's rights, nor any implied agreement as to the fair and reasonable repair cost or value of damaged property.  Depreciation is taken on replacement items and payments are based on actual cash value.


Completed Claim Forms with Proof of Damages may be emailed to or mailed to:  Claims Department 92DC39; Atlantic City Electric, P.O. Box 6066; Newark, DE 19714-6066.  Upon receipt, a claim will be opened and assigned to a Claims Case Manager who will contact you to confirm your filing has been received; and will advise if any additional information or documentation is needed to process your claim. 


The Claims Case Manager will conduct an impartial investigation and render a decision on your claim in approximately 2 to 4 weeks.  The investigation may include field inspections to verify and/or evaluate damages claimed and to obtain such other proof as may be required by the circumstances of each case.  Damaged items may need to be examined, so do not dispose of them until we have authorized you to do so.  We will notify you when a decision has been reached on your claim.  If you have questions regarding our proposed resolution, New Jersey residents may pursue an inquiry through the New Jersey Board of Public Utilities ( to address any concerns. 


Customers are cautioned not to withhold payment of electric bills while awaiting a decision from the Claims Department.  Failure to make timely payments could result in disconnection of your service for non-payment. 


Download Claim Form

Damage Claim Form

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