Lightning Damage Claims

lightning cracks across blue sky at night

Did you suffer damage from a Lightning strike?

Lightning Strikes are common in Florida.  When you file a Homeowners Insurance claim as a result of damage caused by Lightning, the insurance company will try to either “nickle and dime” you for every item or they will deny your homeowners insurance claim.

Another byproduct of a Lightning strike is Fire Damage which will then lead to a Fire Damage Insurance claim.

The best situation is that your home suffered limited damage to both the physical residence and personal property.  If you don’t feel like the insurance company is treating you fairly feel free to give  us a call.

We can try to guide you through the homeowners insurance claim process.

The National Weather Service states that Florida is the lightning capital of the country with more deaths due to strikes in the state each year than any other state.

The most frequent lightning strikes occur in the Tampa Bay area, however, the chance of being struck by lightning in Florida is 1 in 3,000 over the course of a lifetime.

Florida accounts for 16% of the average annual fatalities in the United States.  Lightning continues to top the charts in weather related deaths in Florida.

Lightning strikes over ocean at night time during a storm.
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The damage caused by Lightning strikes is substantial

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Over $100 million dollars in property damage is cause by lightning and there are over 5,000 lightning claims submitted to the insurance company on a yearly basis, Most of the damage comes from power surges after lightning strikes.

Damage from the strikes are appliances shorting out such as:

  • Electronics
  • Computers
  • Televisions
  • Electrical systems throughout the house and businesses.

Lighting can also leads to fires, which is a common occurrence for homeowners, A lightning protection system which will “ground” your home can be a great long term investment to help prevent electrical surges from lightning.

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