Does Homeowners Insurance Cover Lightning Strikes?

Lightning strikes happen frequently and can seriously harm houses and other structures. The average cost of a homeowners insurance claim involving lightning strikes has increased recently. This article describes how and when your insurance provider might cover or pay for damage from lightning strikes and what homeowners can do to minimize damages or complications while filing claims.

Filing a Claim for a lightning Strike

You ought to be able to file a claim if lightning strikes your house or other property. However, the way lightning damage is evaluated varies between insurance companies. You can submit a claim for a lightning strike in a few different ways:

• Document Evidence: Always take photos and videos of the damage as evidence
• Obtain repair or rebuild estimates: Always ask local contractors for repair cost estimates. It can be helpful to have quotes from certified contractors if you discover that your insurance company's initial reimbursement offer is inadequate.
• Supply Information: Be prepared to provide the insurance company with details regarding the property you are claiming a loss for, such as the approximate cost of the damaged possessions.
• Contact your insurance company: File a claim with your insurance provider to get coverage for the damage. You might have to pay a deductible. It is the amount you must pay out of pocket before your insurance covers the rest.
• Make temporary repairs: Make temporary repairs if required while you wait for the claims procedure to be finished. Any receipts or other proof of purchase should be saved so that your homeowners insurance provider will compensate you.
• Prepare for the claims adjuster: The claims adjuster examines the damage to your house, physically or virtually, and determines if your insurance will pay for the necessary repairs.

It is also advised to stay inside during thunderstorms with lightning to protect yourself. Nobody wants to experience lightning striking their home. Always make sure you have the appropriate insurance if you do.

Make Sure You're Protected with Scavone Insurance Center

You must ascertain whether a homeowners policy covers all potential risks to your home before making a purchase. If you have questions concerning lightning coverage for home insurance, contact our insurance specialists at Scavone Insurance Agency Center.

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