Lightning Damage Claims

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.

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What ILG Will Do For You

The attorneys at The Insurance Litigation Group are experienced with lightning strike damage and we understand the insurance claims system, so we know exactly what to look for and how to help you get the best result from your insurance claim.

  • We will be with you from the very start, explaining the terms of your policy and walking you through the claims process
  • We will conduct a home or business premises inspection, including taking photos of the damage.
  • We will file your claim and/or proof of loss statement
  • We will represent you at any examination under oath and recorded statement
  • We will aggressively negotiate and advocate settlements on your behalf
  • We will institute litigation and pursue it aggressively through trial, if necessary to obtain the benefits you are entitled to
  • We will meet and exceed your goals and objectives
  • And much more!

The Insurance Litigation Group is here to help! We offer all of our clients:

  • Free claim review
  • Free consultation

And at ILG we do not get paid until you get paid!

Types of Lightning Damage & Classifications

Given Florida’s stormy nature lightning damage can affect your property in a variety of ways. Because of this the insurance companies can contest the value of your claim in more ways than one and can eventually write it off as an event that is not covered by your insurance policy.

  • Lightning Strike
    A bolt of lightning passing through or around your home and/or property. Causing severe damage that can lead to fires or charred surfaces or even structural damage around your home.
  • Near Miss
    A near miss is a result of lightning striking near or around your property that has not hit your property. Often less severe they can cause various problems such as downed trees, powerlines, and other large objects that might have fallen.
  • Ground Surge
    A ground surge is the result of a spike in electricity throughout an area, which can cause significant damage to the home’s wiring, appliances, and other electronics that are expensive to repair or replace.
  • Appliance Damage
  • Computer Damage
  • Fixture Damage
  • Furniture Damage
  • Structure Damage

Contact the Property Claim Attorneys at The Insurance Litigation Group to handle your lightning damage claim to ensure you are entitled to the maximum payout from your insurance carrier. Contact us today to schedule your free consultation.

Our practice is statewide, and we have offices in Miami, Fort Pierce, Pensacola, Orlando, and Miramar Beach, Florida. Call ILG for sound advice and immediate assistance in your Florida Insurance Disputes.


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Extremely helpful

“I had a flood in my house and insurance didn’t want to pay me anything. I called them and they were extremely helpful. Not only did they get my insurance company to pay he got it done quickly and professionally. Thanks for all your help.”

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“Thank you for your time and efforts and diligence to get me the best. A great team, honest and trustworthy. Highly recommended.”

- E. Em

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“Super helpful and very knowledgeable. These guys are great!”

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Really Care About You

“The attorneys at Insurance Litigation Group really care about you in times of need.  They have handled literally thousands of cases involving homeowners who have experienced losses due to hurricanes, fires and plumbing disasters.  They actually came out to the house and assessed the damage and went back to our insurance company and ultimately got us the right amount of money to make our home whole again.”

- P. Carozzo

Our Offices

We are a client-focused law firm that fights aggressively on behalf of residential and commercial policyholders, contractors, restoration and mitigation companies, to produce maximum recovery results from insurance companies through our unique expertise, deep understanding of insurance law, cutting edge technology and proactive approach to litigation.

Insurance Litigation Group serves clients across the state of Florida. With over 5 offices statewide, our attorneys have the knowledge, skills and experience to resolve your dispute against the insurance company. 

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