One of our clients had a strange situation:
On 12/6 from a severe windstorm that hit our area in NY, a large tree fell across their driveway, hitting an electrical pole in the process.
Tree was able to be removed, however the pole was damaged loosening the wires.The home was not damaged and power was not interrupted.
Con Ed (The power company) showed up and advised the insured, the pole was on their property at the end of their driveway and they refused to touch it.Told them to get a commercial electrician to fix or replace the pole.
Is there coverage under a typical home policy for the damaged pole and electrical work? (They have the equivalent of an HO5 with Farmers/Foremost Signature)
To reconfirm, there currently is no loss of power or damage to the home.Pole is a few hundred yards from the house.
Based on what you've told us, we think the pole would be the same as any other structure and would be covered. An other structure doesn't have to be a building, it just has to be constructed. So whether it's a gazebo, swimming pool, swing set or in your case a utility pole, there would be coverage. There are no exclusions that would apply.