To file a PECO damage claim, download the Claim Registration Form from peco.com or call 1-800-494-4000 to have one mailed, complete it with a detailed description of the damage and supporting documents, and send it to PECO’s Claims Division by email, fax, or U.S. mail.1PECO. Damage Claim Before you file, know that PECO’s tariff sets a high liability standard and caps most payouts at $1,000 or twice your monthly bill, whichever is greater.
Getting the Form and What It Asks
The Claim Registration Form is a single page. Download the PDF from PECO’s damage claim page, or request a paper copy by calling 1-800-494-4000.1PECO. Damage Claim The form asks for:2Pennsylvania Public Utility Commission. PECO Claim Registration Form
- Your name and daytime phone number
- Mailing address and email address
- PECO account number, if applicable
- The address where the loss occurred, if different from your mailing address
- The date and time of the loss or damage
- A description of the incident and a list of damaged items
- Your signature and the date
Get the date and time as precise as you can. PECO cross-references your report against its internal outage and maintenance records for that period, so a tight timestamp helps your case. If lights flickered at 2:15 p.m. and your HVAC died five minutes later, put both times in.
The form carries a disclaimer that submitting it “does not constitute any admission of liability on the part of PECO Energy Company.”2Pennsylvania Public Utility Commission. PECO Claim Registration Form Filing opens an investigation. It does not guarantee payment.
Documentation to Attach
The description section is where the claim succeeds or fails. List every damaged item with its brand, model, and approximate age, and attach as much of the following as you can pull together:
- Written repair estimates or invoices from a licensed technician or electrician. If an item cannot be repaired, ask the technician to state that in writing along with a replacement cost estimate. Professional assessments carry far more weight than your own valuation.
- Original purchase receipts. These establish what you paid and when, which feeds directly into the depreciated value PECO applies if it approves the claim.
- Photographs. Take close-ups of each damaged item plus wider shots for context. Capture serial number plates, model stickers, and any visible burn marks. Leave your phone’s timestamp on so the metadata travels with the images.
- Food spoilage records. If a prolonged outage spoiled food, photograph the contents of your refrigerator and freezer before discarding anything, and list items with approximate costs.
Keep copies of everything you send. If you later escalate to the Pennsylvania Public Utility Commission or take the matter to court, you will need your own complete file.
Where to Send the Form
PECO has no online submission portal. You have three ways to deliver the completed form and supporting documents:1PECO. Damage Claim
- Email: pecoclaims@exeloncorp.com
- Fax: Attn Claims Division, 1-215-841-4919
- Mail: PECO Energy, Claims Division, 2301 Market Street, S16-1, Philadelphia, PA 19103
Email is fastest and creates a timestamped record automatically. If you mail the form, use certified mail with a return receipt. If you fax it, check the confirmation page to make sure the transmission went through.
What PECO Will and Won’t Pay
PECO’s Electric Service Tariff only holds the company liable when damage results from its “willful and/or wanton misconduct.”3PECO. PECO Energy Company Electric Service Tariff That is a much higher bar than ordinary negligence. You need to show PECO knew about a dangerous condition and failed to act, or behaved recklessly, not just that something on its system broke.
The tariff also excludes damage from storms, lightning, floods, fire, earthquakes, sabotage, and damage caused by third parties such as a car striking a utility pole.4Pennsylvania Public Utility Commission. PECO Energy Company Electric Service Tariff – Section: Rule 11.1 Limitation of Liability PECO’s damage claim page puts it plainly: “we are not responsible for damages from factors beyond our control, such as storms or outside interference.”1PECO. Damage Claim
Even when PECO accepts responsibility, the tariff caps the payout. For surges, spikes, voltage variations, or service interruptions not caused by willful or wanton misconduct, the maximum is the greater of $1,000 or two times your electric bill for the billing period when the damage happened.3PECO. PECO Energy Company Electric Service Tariff The cap covers direct and consequential damages together, including damaged electronics, spoiled food, and lost business income. If your average bill is $150, the cap sits at $1,000. The cap lifts only when willful or wanton misconduct is established.
What Happens After You File
Once PECO receives the completed form, the company registers the claim and assigns a case manager who will contact you by phone, email, or U.S. mail.1PECO. Damage Claim During the investigation, PECO checks its outage logs, maintenance schedules, and field reports against the date, time, and location you gave. If those records show a known equipment failure on PECO’s system rather than a storm or third-party event, your claim stands on stronger ground.
PECO does not publish a fixed timeline for finishing its investigation. If weeks pass with no contact, call 1-800-494-4000 for a status update.
How Settlements Are Calculated
When PECO accepts liability, it typically pays actual cash value rather than replacement cost. Actual cash value starts with the current cost of a new replacement and subtracts depreciation for age and wear. A five-year-old refrigerator that originally cost $1,200 and would cost $1,400 to replace today might come out at $700 after depreciation. That is what PECO would offer, not the $1,400 replacement figure. Original receipts and professional repair estimates give you something to push back with if the depreciation calculation looks too aggressive.
Keep the tariff cap in mind. Unless willful or wanton misconduct is established, the total payout cannot exceed the greater of $1,000 or twice your bill for the affected period.3PECO. PECO Energy Company Electric Service Tariff If your damages run well above that cap and you believe PECO’s conduct was reckless or intentional, a separate legal claim outside the tariff process may be the only route to full recovery.
If PECO Denies Your Claim
PECO denies claims when its investigation blames a storm, third-party interference, or another event outside its control. A denial letter cited in Pennsylvania Public Utility Commission records shows the typical language: PECO states it “cannot pay for damages resulting from this event” because it “does not guarantee continuous, regular, and uninterrupted supply of service.”2Pennsylvania Public Utility Commission. PECO Claim Registration Form
A denial is not the end. The Pennsylvania PUC accepts complaints from customers who have already tried to resolve the issue with their utility. Start with an informal complaint through the PUC’s online form, by mail to the Bureau of Consumer Services at 400 North Street, Keystone Building, Harrisburg, PA 17120, or by phone at 1-800-692-7380. The Bureau investigates and tries to mediate, with an initial response usually within three to five business days. If mediation fails, you can file a formal complaint, which goes before an administrative law judge and becomes part of the public record.5Pennsylvania Public Utility Commission. Informal Complaints
Homeowners Insurance as a Parallel Route
You can file with your homeowners or renters insurer for damaged property regardless of what PECO decides. Your insurer may pay under your policy and then pursue PECO directly through subrogation, essentially stepping into your shoes to recover what it paid you. Insurance companies have adjusters and lawyers experienced in proving utility negligence, and their financial stake in recovery means they will push harder than most individual customers can.
If your insurer does pursue subrogation, coordinate with both sides so you are not filing duplicate claims for the same items. Keep your insurer informed of any settlement offer from PECO and vice versa.
Filing Deadline
Pennsylvania law gives you two years from the date of property damage to file a legal claim based on negligence or other tortious conduct.6Pennsylvania General Assembly. Pennsylvania Code Title 42 – Section 5524 Two Year Limitation PECO’s internal claim form is not a lawsuit, but delay hurts you either way. Evidence degrades, repair records get lost, and PECO’s own logs from the incident period get harder to retrieve. File the form as soon as your documentation is together, ideally within a few weeks of the incident.