Lightning Damage

Lightning Damage Claim: Your Property Adjuster

Dangerous storms often bring powerful lightning strikes, leading to thousands of lightning damage claims being filed across the U.S. each year. Last year alone, over 7,100 claims were reported, with an average payout of $10,500, totaling $74.2 million in property damage.

Our team of adjusters and consultants works closely with contractors and experts to confront the insurance company directly, ensuring you receive the best possible solution to restore your property to its pre-loss condition.

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How Is Lightning Damage Classified by Insurance Policies?

Lightning damage can impact your property in multiple ways, which may lead your insurance company to contest the value of your claim by classifying it as an uncovered event.

What Types of Lightning Damage Can My Homeowners’ Insurance Cover?

Every home, business, and property insurance policy is different, covering various types of damage caused by lightning strikes, near misses, and ground surges.

Our experienced lightning damage insurance adjusters and consultants will carefully review your policy to identify the specific coverage included in your agreement and help you craft a claim that accurately reflects that coverage.

1

Lightning Strike

A lightning strike occurs when a bolt of lightning enters and travels through a home or other property on its way to the ground. These strikes can cause severe damage, including fires, charring, and structural harm to the roof, chimney, foundation, or windows.
2

Near Miss

A near miss happens when lightning strikes close to a property without directly hitting it. While the damages are typically less severe than those from a direct strike, they can still lead to significant issues, such as downed trees, power lines, and falling debris.
3

Ground Surge

A ground surge results from a sudden spike in electricity in an area, which can inflict substantial damage to a home’s wiring, appliances, and electronics, often leading to costly repairs or replacements.