Several summers ago, the lights went out. We experienced something called a 'wind shear,' which took down a number of power poles and put us in the dark. Frankly, I would have called it a small tornado, but I'm not a meteorologist. ;) Anyway, we were without power for a few days--thank goodness it was during the summer or we would have REALLY been S.O.L.
Twelve hours or so after the lights went out, we realized that our freezer and refrigerator were warming--NOT a good thing for the food we had stored. When it was all said and done, we had to toss more than $600 worth of food. We would never have thought of it on our own, but someone mentioned that our homeowners insurance should reimburse us for the spoiled food--and it did! There ARE times when that insurance payment that we make is well worth it!