SurgeAssist Frequently Asked Questions

SurgeAssist is Rappahannock Electric Cooperative’s newest program in its HomeResources line of member services that help you with protecting against extensive repairs from surge related issues. You are eligible for the program simply by being a member of the Cooperative.

How does the claim process work?

Call us toll free at 1-800-851-3275 within 7 days of the damage and we'll email, fax or mail you a claim form. We must receive the claim form within 30 days of your receipt of the form. Have a licensed repair technician or facility of your choice assess the damage and provide you with a repair estimate/invoice. If it is not repairable, simply obtain a replacement estimate from a local retailer. Attach any estimates, receipts or invoices to a completed claim form and mail it to the address listed on the form. You should receive your payment in approximately 30 days from the date we receive your documentation in our office.

How do I know REC will pay for repair cost?

Protection under the program starts thirty (30) days after the first payment is received. We also must receive your completed claim form along with all required documentation in order for you to receive a payment for your claim. If an item cannot be repaired, it will be replaced. Replacement cost is determined by make, model and other features that are available on the market today.

What is the program enrollment cost?

Our current program is offered at $5.95 a month with a maximum of $2,000 protection coverage.

How will SurgeAssist help me?

Electronic equipment in your home today is very complex and can also be expensive. If these items experience electrical disturbances at any time it may increase the likelihood for damage requiring repair costs, shorter life span of the unit or operating system, and even potential device failure.

Many of REC's members rely heavily on electronic devices and appliances in their personal and professional lives. SurgeAssist offers peace of mind that those valuable electronic items can be repaired or replaced in the event that they are damaged by a power surge.

What are causes of electronic equipment and appliance electronic equipment failure?

Electronic equipment and appliance failure can be caused by short bursts of extra energy or brief periods of insufficient energy through the utility lines entering your home. These disturbances can be the result of the normal operation of electrical utility equipment, animals making contact with electric lines, lightning strikes, or weather-related problems. Since their invention, power systems have always had disturbances, also called transients, spikes or surges.

How do outside electrical disturbances come into my residence?

Spikes in the voltage of power coming to your home can enter through many different means: utility lines, satellite dishes, data lines, phone/cable lines, dog fences, irrigation systems, light poles, outside pumps, deep well pumps, septic tank pump switches, shallow well pumps, boating dock lifts and other low voltage systems.

Do I need to be concerned about electrical disturbances?

Yes. Electronic equipment in your home today is very complex and can also be expensive. If these items experience potential electrical disturbances at any time it may increase the likelihood for damage requiring repair costs, shorter life span of the unit or operating system, and even potential device failure.

What are ways to protect my home electric equipment and appliances?

REC strongly recommends using high end surge protectors with phone and data line protection as well as having a licensed electrician to install surge devices at well pumps, HVAC units and breaker boxes. By doing this you will increase the protection to your electronic-sensitive equipment. Having surge protectors on all of your electronic equipment will assist to minimize the impact of damage to those devices. This protection, along with SurgeAssist, offers additional financial protection against losses within the home of up to $2,000 of repair or replacement coverage (in a rolling 12-month period) for just $5.95 per month.

What else do I need to do to be enrolled in the program?

Just call 1- 800-851-3275 and we will get you started! It’s that simple - we will take care of enrolling you in the program, and you will just pay the monthly fee for SurgeAssist when you pay your electric bill!

What does SurgeAssist Program protect?

REC wants to assist our members by providing a solution that covers the cost of repairs or replacement of electronic equipment and appliances within your home if damage occurs due to unexpected surges of electricity. HVAC systems, well pumps, personal electronics, appliances, televisions, and many more items within the home all have central electronic processors that control their functionality and these are all examples of items that are protected with this program.

Will SurgeAssist provide me coverage if I already have a homeowner's insurance policy to cover these events?

Yes, and you will find our program much easier on the pocketbook because some homeowner's insurance policies can have a deductible as high as $2500! The best part of REC's SurgeAssist Program is having the costly repairs paid for by the program without a possible increase in your homeowner's insurance premium! No hassle, just a program that assists you in getting your home electronics repaired or replaced easily.

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