Lightning Damage Claims
A bolt ofis one of nature’s most dangerous events. Lightning can travel at around 140,000 miles per hour and reach temperatures of 50,000 F, which is hot enough to turn sand into glass.
A lightning strike can touch off a fire in a home or commercial property. However, most lightning damage occurs from an electrical surge that can short out computers, appliances, phone systems and the building’s electrical systems.
Lightning doesn’t even have to hit a home directly to result in. For example, a neighbor’s tree can be struck by lightning and fall on a nearby home, leaving it uninhabitable. Trying to get a claim settled in this type of case is especially vexatious.
After a lightning strike, a home or business owner should be sure that the property is safe to enter – no “live wires” or downed electrical lines, for instance. Then, the extent of the damage to the house and property should be determined. Can the structure be repaired? Has the lighting strike led to the destruction of the appliances or electronics?
If the lightning-related damage is extensive, a business may not be able to operate or a home may be left uninhabitable. East Coast Public Adjusters can assess the damage – to the interior electrical system as well as to the structure itself – and help you settle their claim in a timely manner so you get the compensation you deserve.
Some insurance companies want to know which damage was the result of a lightning-caused fire and what damage was from the electrical overload. In some cases, the insurer will need to know precisely where the electrical surge occurred, because they won’t pay a damage claim if the surge occurred off the premises. Insurance companies also differentiate between a lightning strike and a power surge and might want the electrician or repairman who services the property to attest to the fact that the power surge came specifically from a lightning strike, since surges can also be the result of faulty transformers or power lines. Therefore, the home or business owner and the repairman should be in agreement that the losses were due to a lightning strike and put this down in writing.
Filing a claim with the insurance company for damages relating to lighting can be very challenging. East Coast Public Adjusters can alleviate this aggravation by taking on most of the paperwork, and in the end, increasing the amount of your.
If you have a question or would like a free consultation related to lightning damage, call us today at 855-438-3272.
Client: Martin G
Location: Coral Springs, FL
Type of claim: Lightning
Situation: Living in the “lightning capital of the world” makes us easy targets for lightning damage. This was the case for Martin at his small business location. During a storm, lightning hit his building and caused damage to his main electrical board. Naturally, his insurance company tried to deny the claim by telling him that “stuff like this just isn’t covered by your”.
Solution: Martin called East Coast and sent over a copy of his policy. The policy was reviewed and a licensed public adjuster went to the property to assess the damage. East Coast took over the claim on behalf of Martin and contacted his insurance company. By doing what East Coast does best, the insurance company eventually admitted that the damage was, in fact, covered by Martin’s policy.
Martin received a check for just over $21,000 from his insurance company to pay for the damaged electrical board. Martin did not have to settle for less.