Making a Claim


Even with our hard work and resources, we can’t always prevent service interruptions — we know they’re life interruptions for our customers.

Filing a Claim

If you’ve suffered a loss or damage due to service interruption and believe we may be responsible, you can submit a claim. We thoroughly evaluate each claim, though we will not be liable for failure to deliver gas or electric service due to circumstances beyond our reasonable control, such as weather conditions, damage by third parties, or other intervening damage to our facilities.

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Submit a Claim Online

Submitting your claim online is the fastest way to have your claim processed. We also accept claims submitted via mail or fax or phone.  See next section. 

Submit Online Now

Other Claim Submission Options

Download a Claims form and email or fax the form and supporting documents to: 

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Mail to:

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

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Fax to:

Attention: Claims Department

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You can also open a claim by calling our Customer Service Center at  1-800-411-7343.

What happens next

After we receive your claim, a claims representative will contact you within 3-5 business days.

If we receive your claim through a company field employee, we will make every effort to reach out to you within three business days.

Our goal is to reach a final decision within 30-45 days, but complex claims may require more time. 

Your assigned claims advisor will inform you of our decision on our claims. 

  • If your claim is denied, we will provide you with a reason for the denial.  
  • If you are unsatisfied 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.  

 Please note that our investigation of your claim is not an admission of liability or an indication that SDG&E is responsible for your damages.  

Providing supporting documentation  

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

Repair estimates, invoices, photographs of damage, make/model number (if applicable), and proof of purchase. 

Medical records and receipts for services rendered.  If you are asking for wages lost 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

  • Name and type of business

  • Taxpayer I.D. 

  • Revenue and expense statements

  • Sales receipts prior to and after the incident

  • Bank statements and/or tax records for the business

  • Payroll records

  • Itemized list of the food lost or spoiled with each item’s cost 

  • Receipts or other documentation verifying purchase and dates purchased 

  • 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.