Florida is no stranger to lightning strikes. But many Floridians have no idea what happens when lightning strikes and damages their home or if their homeowner's policy covers such damages. Our public claims adjuster in South Florida discusses when your insurance policy will cover damage from lightning.
When lightning strikes your home, it can cause a fire, ruin your home’s wiring, demolish your electronics, disable your appliances, and harm your family. Most homeowner’s policies consider lightning strikes and fires caused by lightning as covered perils. Your standard homeowner’s coverage should include:
Lightning is defined as: ‘naturally generated electricity from the atmosphere' for insurance purposes. Lightning usually happens in three ways:
When claiming a near-miss lightning strike, it can be challenging to prove that lightning caused damage to your home's wiring or electronics. In these cases, a lightning affidavit can help prove that the damage happened due to a lightning strike. These affidavits are usually completed under oath by a licensed electrician.
Your homeowner’s insurance has specific requirements for reporting losses and may place a time limit between 30 and 60 days. Do not wait to file a claim. You should notify your insurance carrier quickly to restore your home to its pre-loss condition.
This information should help you better understand lightning strikes and homeowners' policies. Contact our public adjuster in South Florida today if you need assistance managing a property loss claim. We are insurance industry experts, so we can work on your claim and help you get the recovery settlement you deserve based on your policy limits. Call us today!
1640 West Oakland Park Blvd.,
Oakland Park, FL 33311