Lightning Damage and Homeowners Insurance Claims

When it comes to natural disasters and severe weather, lightning strikes are often overlooked. But did you know that over the past decade, lightning has been responsible for more homeowner insurance claims than hurricanes? Lightning damage can result in thousands of dollars in losses, and the process of filing an insurance claim can be a confusing and overwhelming experience.

That's why we've put together this guide to help you understand what you need to know about lightning damage and homeowners insurance claims.

What Does Lightning Damage Look Like?

Lightning damage can take many forms, including roof damage, electrical damage, and damage to personal property. One of the most common signs of lightning damage is a visible hole in the roof of your home. Other indications of lightning strikes include broken windows, melted or scorched electrical outlets, and damaged electronics.

What Should You Do If Your Home Is Struck by Lightning?

If you suspect that your home has been struck by lightning, the first thing you should do is call a professional electrician or home inspector. They can assess the extent of the damage and ensure that your home is safe to occupy.

Next, contact your insurance company to report the damage. Your policy should cover most, if not all, of the repair costs, but be prepared to provide documentation of the damage, such as photos and repair estimates. Keep in mind that some policies have a limit on the amount of coverage for lightning damage, so it's important to review your policy carefully.

How Can You Prevent Lightning Damage?

While there is no fail-safe way to prevent lightning damage, there are steps you can take to reduce the risk. Install surge protectors on all of your electronic devices, use lightning rods or conductors on your roof, and unplug your electronics during thunderstorms. It's also a good idea to have your home inspected by a professional to identify potential risks, such as overhanging trees or poorly grounded electrical systems.

Conclusion

Lightning strikes can cause significant damage to your home, and the process of filing an insurance claim can be daunting. However, by understanding what to look for and taking preventative measures, you can minimize the risk of lightning damage and ensure that you're fully covered in the event of an incident. Whether you're a homeowner or business owner, Five Star Claims Adjusting is here to help you navigate the insurance claims process. If you're looking for a loss adjuster in Hillsborough County, FL, contact us today to schedule a free inspection.