Let Us Advise You on Your Lightning Damage Claim
by Admin
Posted on 30-03-2023 07:31 AM
Although rare, lightning damage claims are becoming increasingly prevalent in
ireland
. Damage from a lightning strike usually involves either the property catching fire or smouldering. However, power surges caused by lightning itself can also damage electronics, sockets, telephones, tvs and also computers.
Furthermore, it can also cause damage to non-electronic devices. Concrete, brick or stone may also be split or fractured by the strike with the chimney’s being the most regularly affected. Plaster walls and glass inside the property are also regularly affected by lightning strikes.
How do i file a claim for lightning damage? your homeowners policy has requirements regarding reporting a loss. Most policies require prompt notification and may even have a time limit such as 30 or 60 days. Once the adjuster assesses the damage, the insurance company will offer you a settlement for repairs or provide funds to begin repairs. How do insurance companies assess lightning damage? each insurance company will handle assessments differently. Often, the company will send out an adjuster to determine the cause and extent of the damage. With direct strikes, the damage is clear and evident. When lightning strikes in an area near the home, it is called a near miss, and while it can cause electrical damage, it is more difficult to trace.
As a florida homeowner, your property is more susceptible to lightning damage. Homeowners mistakenly believe that home insurance covers everything — even lightning damage. Are there things that you believe are included in your policy that might not be? most policies cover damage caused by lightning strikes, especially when the strike caused a fire. Any damage resulting from a fire is considered fire loss, even when it was caused by a lightning strike. But fire damage isn’t the only kind of damage caused by a lightning strike. Lightning can travel along various surfaces such as electrical wiring or metal plumbing, causing damage to electronics or other household items.
According to the national weather service, florida has been coined the “lightning capital of the united states. ” in fact, florida ranks the highest for lightning fatalities in the country. Florida’s location creates the perfect recipe for thunderstorms to form. The combination of humidity, heat, and sea breezes, coupled with the peninsula being surrounded by water, create the ideal environment for severe weather disturbances. With such turbulence in florida’s weather patterns, it is no wonder that lightning damage claims are prevalent. If your home has been victim to lightning damage, you need an attorney who can recover the compensation you deserve.
Lightning damage to your property.
Lightning has the potential to cause severe damage to homes and businesses throughout florida.
Lightning can damage concrete, walls, and glass, and destroy a property’s electrical wiring. The average cost of these damages amounted to nearly $30,000 per insurance claim in 2020. The insurance company may provide the lowest compensation possible. This makes it imperative for home and business owners to reach out to a public adjuster for a free inspection and evalution if they suspect lightning damage has occurred.
Summer is the time of the year when lightning can cause severe damage or even destroy your property. No surprises to folks in florida, as they know we are widely regarded as the lightning capital of the u. S. The raising heat over the florida peninsula pulling in the cooler sea breeze later in the day often creates spectacular lightning shows followed by out of this world thunder claps. The results of these storms can be manifested in two ways, both bad. The first is life, health, and safety issues and the other is property damage resulting from lighting strikes that cause fires to buildings and destroy personal and business property.