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Lightning Damage Claims

Lightning Damage Claims

Statistics show that over 2 billion dollars were paid out as claims for lightning damage by insurance companies in the year 2020. So, purchasing a homeowner’s insurance is essential as it safeguards your home and property from the vagaries of nature like thunder, lightning, fire, wind and hail as well as from risks like theft, vandalism, pipe leaks etc. Lightning may look stunning but it’s dangerous and fatal as properties and homes can go up in flames in no time at all!

Lightning is characterized by remarkably high voltage and rapid movements. The shock waves that are generated contain electric discharge which may travel through the entire wiring system of your building or property. This electric surge can cause manifold destruction of all electrical appliances, communication systems, electronics, and computers, shattering windows, damaging plaster, and fracturing the very structure of your home. Any combustible material like furniture, carpets, and clothes that it comes into contact with, is immediately burnt down.  

So it becomes important to understand how to file a lightning damage claim.

Simply call Experienced Public Adjusters and be assured of filing a strong claim. If the lightning caused a fire and destroyed your home and property, it’s a clear-cut insurance claim for damages due to fire. However, if there is no visible evidence of damage, you need to approach the situation more cautiously. There may be no tell-tale sparks now but the wiring needs to be checked as it is a potentially dangerous situation. 

To ensure the safety of your home, get an insulation resistance test, known as a MegOhm test, done by a good electrical engineer. This test will tell you if your home is in danger of being burned down, in the near future. 

Lightning damage claims are difficult as insurance companies tend to disregard damages that are not obvious. They may deny or reduce your claim by insisting that your damaged electronic or electrical appliance was defective in the first place or that it was damaged by a power surge not related to the lightning. If the lightning strike occurred outside your property but hit a transformer that created the power surge destroying your electronics, the insurance company may not entertain your claim. There are so many nuances to a lightning damage claim that you will find the whole process stressful. The difference of opinion may lead to arguments with your insurance provider. Contact Experienced Public Adjusters to assist you with your lightning claim and retain your peace of mind.

At Experienced Public Adjusters, we are a team of licensed professionals and handle all types of challenging claims with speed and knowledge. We have experts for lightning damage claims and are well aware of the way insurance companies work. We know when to call in the experts and whenever necessary, we may recommend getting a lightning affidavit from your service provider. We’re with you, right from interpreting your policy clauses to gathering evidence of damage, filling in the ‘proof of loss’ form accurately and submitting the claim to ensure that you receive a fair settlement.

Contact Experienced Public Adjusters for a stress-free lightning damage claim process. 

 

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