Is Lightning Damage Covered by Homeowners Insurance?

A standard homeowners insurance policy generally includes coverage for damage caused by lightning strikes. This falls under the 'perils' section, typically covering fire or explosion resulting from the strike. It can also cover electrical surge damage to appliances and electronics if the surge originated from a lightning strike on or near your home. This protection helps with the cost of repairing or replacing damaged property.

The coverage often extends to the structure of your home, like damaged roofing, siding, or framing. It also usually includes personal property inside the home that was harmed by the strike or the resulting fire. If a lightning strike causes a fire that damages your home, the fire damage portion of the claim is also typically addressed under this coverage.

Your first priority after a suspected lightning strike is safety. Check for signs of fire, smoke, or the smell of burning wires. If you see or smell anything concerning, evacuate immediately and call the fire department from a safe location. Do not touch electrical appliances or outlets if you suspect wiring damage, and consider shutting off the main power if it is safe to do so.

Once the home is safe, document all visible damage thoroughly. Take clear photographs and videos of any structural damage, burnt areas, and damaged personal items. Make a detailed list of affected electronics and appliances. This documentation is crucial for your insurance claim. Then, contact your insurance company to report the incident and start the claims process.

• Evacuate if you smell smoke or see fire.
• Call the fire department from outside the home.
• Avoid touching electronics or outlets if wiring is suspect.
• Take extensive photos and video of all damage.
• Create a written list of all damaged property.
• Contact your insurance provider to file a claim.

After a lightning strike, the damage often requires professional restoration. Local water damage pros can address water intrusion from roof leaks or broken pipes. They have equipment to dry out walls, floors, and insulation completely to prevent mold. The pros can also help with the initial damage assessment and secure the property by boarding up windows or placing tarps on the roof.

For fire and smoke damage, or structural repairs, other specialized trades are needed. The restoration process often involves multiple steps: water extraction, drying, soot cleanup, odor removal, and finally reconstruction. Keeping detailed records and photos of all work performed is helpful for your insurance claim. You can provide these documents to your adjuster as part of the claim review.