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. In the event of a ground surge caused by lighting, a damage claim can become more sophisticated. To what extent did the lightning power surge damage these items? Are the items repairable or a total loss? It is important that damage caused by lightning is properly evaluated. Thus at times, to address these questions, it may be necessary to bring in experts to determine the loss.