has been providing homeowners, auto and commercial insurance for 40 years. "Power is not guaranteed, as much as we would like it to be. We all get upset by such outages, and I happened to be one of those affected, but it is not something that can be covered from an insurance aspect."

That doesn't mean that people don't have a case against Edison for having faulty or antiquated equipment that contributed to the heat-related blackouts, Kuhn said.

"But how do you prove that?" he asked. "You have to assume that they are using older equipment as long as they can, but it would have to be an awful hard-up attorney to take up that case against Edison. You have to essentially prove that Edison was negligent."

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