Making a Claim

If you have suffered a loss or damage due to service interruption and believe we may be responsible, you can submit a claim which will be investigated and evaluated on a case-by-case basis. Please note that we will not be liable for failure to deliver gas or electric service to our customers due to circumstances beyond our reasonable control, such as weather conditions, damage by third parties or other intervening damage to our facilities.

Submitting a Claim

You can make a claim by:

  1. Downloading a claims form and submitting it via mail or fax.

    Mail to:
    San Diego Gas & Electric
    Attention: Claims Department
    P.O. Box 129831
    San Diego, CA 92112

    Fax to:
    Attention: Claims Department

  2. Calling our Customer Service Center at 1-800-411-SDGE (7343)
    A representative will document your claim information over the phone and provide you with a claim number.

After we receive your claim, a claims representative will contact you as soon as possible.

Our goal is to reach a final decision on any claim within 30-45 days. However, if the incident is complex in nature, the investigation and evaluation period may take longer. At the conclusion of our investigation, you will receive either a call from us or a letter informing you of our decision. If your claim is denied, we will provide you the reason for the denial. If you are not satisfied with our decision you have the option and right at any time during the claims process to file a civil action or a small claims lawsuit. You can also refer your loss to your insurance carrier who may reimburse you subject to policy coverage and any applicable deductible.

Providing Supporting Documentation

To evaluate your claim, we will need the following types of information:

Property Damage:

  • Repair estimates, invoices and proof of purchase

Bodily Injury:

  • Medical records and receipts for services rendered
  • If you are asking for lost wages due to an injury, we will also need:
    • Number of days/weeks you were off work
    • Verification of lost time from your employer
    • Pay stubs verifying your rate of compensation

Business Interruption:

  • Name and type of business
  • Taxpayer I.D.
  • Revenue and expenses statements
  • Sales receipts prior to and after the incident
  • Payroll records
  • Bank statements and/or tax records for the business

Food Loss and Spoilage:

  • Itemized list of the food lost or spoiled with its cost
  • Receipts or other documentation verifying purchase

We evaluate food loss claims based on the recommended guidelines from the U. S. Department of Agriculture:

  • A fully stocked freezer will usually keep food frozen for two days after losing power.
  • A half-full freezer will usually keep contents frozen for about one day.
  • In the refrigerator, food will usually keep up to four hours, depending on the temperature of the room.