Coverage for food spoilage due to a power outage is limited in a standard homeowners policy. Your policy may cover spoiled food due to a power loss caused by damage to certain off-premises electrical equipment or if your refrigerator was directly damaged such as by a lightning strike or a power surge.
If you want to make a claim for spoiled food, it’s a good idea to take pictures of the food in the refrigerator to support your claim before you discard the contents.