How to File a Homeowner's Claim for a Lightning Strike

Your homeowner's insurance can protect against lightning strike damage.
Your homeowner's insurance can protect against lightning strike damage. (Image: Comstock/Comstock/Getty Images)

A lightning strike can be devastating to your home's electrical systems and appliances. Seeing as this comprises some of the most expensive parts of your home, it can be difficult to afford repairs and replacements. Fortunately, most homeowner's insurance policies protect against damage from lightning strikes. If you have ever filed a homeowner's claim, you will find the process of doing so for lightning damage is not much different. If you've never filed a claim, your insurance agent will be able to walk you through the process.

Retrieve your insurance policy and review it to ensure that lightning damage is included in your coverage.

Contact your insurance company. Ask to speak with a claims representative. Explain that your home has suffered significant damage as a result of a lightning strike and that you wish to file a claim.

Give the claims representative your name, address and policy number. Tell her what damage has been incurred in the lightning strike. She will send you a claims form to complete and will assist you in making an appointment with one of the company’s insurance adjusters.

Fill out the paperwork per the instructions (each insurance company is different). List all damage to the structure, interior and contents of your home. Only list damage related directly to the lightning strike.

Meet with the claims adjuster and guide him through the damage. He will write a report and take pictures to document the damage.

Pay your deductible, if applicable. This is the amount that you must cover out-of-pocket when making a claim. The insurance company will issue a check for the difference.

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