When you make a claim for this type of damage, you will need to show proof, just like with a home damage claim. Some strikes may do enough damage to total the vehicle because the operating system no longer works. Does Car Insurance Cover A Lightning Strike?Ī car hit by lightning will have electrical problems. Check all of these items so that you can make a complete claim. It is not uncommon to lose appliances that were plugged into the wall or major appliances like your water heater or air conditioning unit that are wired into the home. When a house is hit by lightning electrical problems can occur throughout the home itself or to anything that was plugged into the sockets. Both of these items will be crucial to turn over to your insurance company to make a claim.
They can document that the damage was caused by a lightning strike and what the cost of replacements or repairs will be. The next thing that you will need to do is call an electrician and/or a plumber to come out and check the things that have been damaged. You may also want to look for char marks and holes in your yard and take pictures of these as well. However, a ground strike near your home can cause damage to the electrical system of your home as well as to the plumbing. A hole, char marks, or other damage to the exterior of your home is great proof and should be photographed as soon as it is safe to go outside. To prove that lightning has damaged your home and belongings, you will need to show proof.
LIGHTNING TRACKER ORLANDO HOW TO
How To Prove To Insurance Damage Is From Lightning It will be up to the homeowner to prove that the lightning strike occurred and that the damage was a direct result. Insurance companies are quick to deny lightning insurance claims because they will say that many of the items you have claimed were damaged were unrelated to the strike or that there is no proof that a strike occurred. As most Florida homeowners have experienced in the past, homeowners insurance claims for storm damage are often a challenge. However, a lightning strike insurance claim will always be met with resistance by the insurance company. Yes, homeowners insurance does cover lightning damage. Since it is inevitable that something will be struck by lightning during these storms at one point or another, a very big question for Florida homeowners is: Does insurance cover lightning strikes? Does Insurance Cover Lightning Damage In Florida? Afternoon thunderstorms, tropical waves, and hurricanes all bring lightning into the state.įlorida is often called the lightning capital of the country because of the number of strikes we experience each year. If you live anywhere in Florida, you understand how much lightning occurs during the rainy season.
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