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Daytona Beach Lawyers > Blog > Storm Damage > How To Prove Damage Caused By Lightning

How To Prove Damage Caused By Lightning


Florida is sometimes referred to as the lightning capital of the country. It is really not surprising considering all of the hurricanes, tropical waves, and thunderstorms that batter the state’s coastline. During these storms, it is almost inevitable that some property will be struck by lightning, and suffer serious damage as a result. If your property has been damaged by lightning, the damage is likely covered by insurance. However, you must prove the full extent of it to obtain the full coverage you are entitled to. Below, our Daytona Beach storm damage lawyer explains how to do it.

Is Lightning Damage Covered By Insurance?

The vast majority of homeowners insurance policies do provide coverage for lightning damage. Still, that does not mean that all insurers are eager to pay that coverage and help property owners. Insurance companies are much more worried about their bottom line, which they protect by denying and delaying the coverage people need after a serious event.

Insurers attempt to deny claims involving lightning damage by arguing that there is insufficient proof that the damage was caused by lightning. An insurance adjuster may even argue that the items you are seeking coverage for were not damaged due to the lightning strike. The burden is then on you to prove that your property was damaged, and that it was lightning that caused it.

Proving Damage was Caused by Lightning

When submitting a claim for lightning damage, you must present strong and clear evidence that shows how the damage occurred. Char marks, holes, and other damage to the exterior of your house is some of the best evidence that lightning damaged your home. As soon as it is safe to do so, take pictures of the damage to show to the insurance company.

If lightning strikes the ground on your property or near your home, it can also damage your plumbing as well as your electrical system. Insurance should provide coverage for this damage, too. Just like any damage to your home, you should also look on your lawn and in nearby places for holes, char marks, and other evidence of damage.

You should also contact an electrician or plumber after lightning has struck your property. These professionals can advise on the damage lightning caused, and will document it, which can serve as further proof when filing your claim. Also make sure you check your appliances that were plugged in at the time of the lightning strike, as these can become damaged, as well.

Contact Our Storm Damage Lawyers in Daytona Beach for Help with Your Claim

If your property has been damaged by lightning, our Daytona Beach storm damage lawyers at Bundza & Rodriguez can help you prove your case to the insurance company so you obtain the full and fair coverage you are entitled to. Call us now at 386-252-5170 or contact us online to schedule a free consultation with one of our skilled attorneys and to learn more about how we can help with your case.



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