While most insurance policies cover lightning-related damage, claim outcomes can vary depending on documentation, policy language, and the specifics of the loss.
At FairVantage, we assist homeowners and business owners in navigating the claims process by ensuring damage is thoroughly documented and clearly presented to support an accurate settlement.
What Does Insurance Cover?
Most homeowners' and commercial property insurance policies provide coverage for lightning-related losses, including:
✅ Fire Damage – If a lightning strike causes a fire, structural repairs, roof replacement, and interior restoration are typically covered.
✅ Power Surges & Electrical Damage – Sudden voltage spikes from lightning can fry appliances, HVAC systems, computers, and wiring.
✅ Roof & Structural Damage – Lightning strikes can cause cracked roofing materials, blown-off shingles, or even structural collapse.
✅ Electronics & Personal Property Loss – Coverage includes damaged TVs, computers, home security systems, and other electronics affected by the surge.
✅ HVAC & Major Appliances – Air conditioners, refrigerators, and other large appliances damaged by electrical surges may be covered.
✅ Tree & Debris Removal – If a tree is struck by lightning and falls on your home, your policy may cover removal and repairs for any resulting damage.
✅ Additional Living Expenses & Business Interruption – If your home is uninhabitable or your business must shut down due to lightning damage, temporary housing or lost revenue may be covered.
Common Exclusions & Limitations
🚫 Gradual Electrical Wear & Tear – Policies do not cover pre-existing wiring issues or outdated electrical systems.
🚫 Power Surges Not Directly Caused by Lightning – If a surge originates from a utility issue rather than a lightning strike, your claim may be denied.
🚫 Limited Coverage for Electronics – Some policies cap payouts for computers, gaming systems, and home entertainment equipment.
🚫 Tree Removal Without Property Damage – If a lightning-struck tree falls without damaging insured structures, removal costs may not be covered.
Steps to Filing a Lightning Damage Claim
1️⃣ Document the Damage – Take clear photos and videos of all affected property, including charred areas, damaged electronics, and burnt wiring.
2️⃣ Check for Hidden Damage – Electrical issues may not be immediately visible. Have a licensed electrician inspect your wiring and systems.
3️⃣ Secure Temporary Repairs – Prevent further damage by covering exposed areas, unplugging electronics, and restoring power safely.
4️⃣ Notify Your Insurance Company – Report the claim as soon as possible and provide detailed documentation of losses.
5️⃣ Request a Professional Inspection – Some lightning-related damage, especially electrical, may not be immediately visible. A FairVantage expert can help ensure a comprehensive and well-documented assessment.
6️⃣ Obtain Replacement Estimates – Gather estimates for electrical repairs, appliance replacements, and structural damage to compare with the insurer’s assessment.
7️⃣ Review the Settlement Offer – If you believe the settlement doesn’t fully reflect your loss, you can request additional review, appraisal, or clarification of your coverage.
How FairVantage Can Help
At FairVantage, we:
✔️ Conduct thorough property assessments to document all electrical, fire, and structural damage.
✔️ Review your policy for coverage on appliances, wiring, and personal property losses.
✔️ Collaborate with parties involved to support a balanced resolution.
✔️ Assist in the appraisal process or provide guidance when a resolution requires further review.
