Lightning Damage Insurance Claim
Many people mistakenly believe that home insurance covers everything — even lightning damage. Are there things you believe are included in your policy that might not be?
At Hope Public Adjusters, we recommend you check if any special procedures need to be followed to report damage due to lightning strikes. While some states require that a lightning damage insurance claim be filed within 48 hours, most do not. Make sure to follow your state’s requirements, or consider using an online claim submission service. If you have any questions, don’t hesitate to contact your provider. If you need help filing a claim following a lightning strike on your property, contact Hope Public Adjusters as soon as possible to partner with an experienced insurance adjuster and simplify an otherwise complex process.
Do home insurance policies cover electrical wiring and appliances damaged by lightning? It depends. You should check with your agent to ensure that your particular policy covers these things. In most cases, your agent can write a custom policy only to include items that are specifically covered in your insurance policy. Make sure that your appliances are included.
Computers are especially susceptible to damage and issues caused by power surges, even if you have these fragile electronic devices powered through a surge protector.
It should be noted that your existing home insurance policy will not necessarily cover computers, electronics, and appliance damage caused by lightning. In most cases, you will need to request a custom policy with your insurance company to recover these damages. Most providers will offer you a form to fill out to determine the scope of the existing coverage and make any necessary changes. If your coverage is suitable, you may be given the choice of selecting between having your computer or electronic equipment repaired or getting a complete replacement at no additional cost to you.
As previously mentioned, many devices are not always covered in a lightning damage insurance claim. Again, many providers will offer you a form to fill out to report your damages. You will want to ensure that all of the electrical damage is listed; otherwise, you may be able to get your devices replaced for a fraction of what you paid. Be careful to note the date of installation whenever possible.
Fixtures and Furniture Damage
Furnishings, including couches and tables, are not always covered by existing home insurance policies.
Types of Lightning Damage
There are two types of lightning damage claims. One is from physical damage caused by lightning (e.g., a hole in a building), and the other is indirect damage caused by another factor, such as wind.
If lightning damages the roof of your home, you will need to file a lightning damage insurance claim with your insurance company. The insurance company will determine which type of damage you have suffered. If the damage is classified as “physical,” then your insurance company will require you to file a physical damage claim, which typically means you will need to get your damaged belongings repaired or replaced.
When you are filing a claim for any type of damage from lightning strikes, you will need to work with the insurance adjuster to file your claim. Ask your insurance company to give you a list of all the direct and indirect damages caused by the lightning strikes in your area.
Now, when you have the list of damages caused by the lightning strikes in your area, you will need to determine which damages will be covered by your lightning damage insurance claim. Most likely, you will not be able to get coverage for items such as your cookware, clothing, dishes, or other household items. However, some insurance companies do offer this coverage, and in some cases, you may even qualify for additional coverage to include these items.
Hope Public Adjusters can help you with the process and make sure that you recover all damages you are eligible for under your insurance policy. Remember that the insurance company will focus on limiting their final payment to you, so if you do not specifically include fixtures or covered goods, it is doubtful they will suggest that you claim them.
Filing a Claim
Now, once you have determined which items will be covered in your lightning damage insurance claim, you will need to find out about filing a claim. If your property was struck by lightning, you should make an appointment to get a lightning inspection of your home.
As an adjuster, we can be assigned to your claim. We will visit your home to assess the damages. While our lightning damage insurance claim adjuster is assessing the damages, you can also make arrangements to pay your home repair or replacement costs in a lump sum.
When lightning damage insurance claims are submitted to the insurance company, they will usually inspect your home first. Then, they will request photographs of your home and surrounding areas for proof of damage. If they cannot locate any damages, they will then request an estimate of your property’s potential damages based on the observed conditions.
They will ask you for any necessary documents relating to the lightning damage claim, including copies of repair estimates or replacements and pictures of the damaged areas. The adjuster will then give you a time period to pay or replacement costs based on their investigation.
As you can see, while most electrical equipment is not likely to be covered by existing home insurance policies, lightning damage is often covered. The type of coverage (if any) that you choose depends upon whether you live in an older house or a newer one. In older houses, it is highly unlikely that old appliances will ever be covered. Also, you need to understand the difference between accidental damage and lightning damage. Accidental damage is far less severe than lightning strikes.
If your property has been damaged by lighting, Hope Public Adjusters can help. Call today.