Lightning Damage Insurance Claims

Lightning Above A House

Storm Claims in Indianapolis, IN

When we think of storms damaging our property, we typically think of high winds, hail, and heavy rains. However, one thing that occurs during a thunderstorm that can cause serious damage is lightning. A single bolt of lightning has 10 to 100 million volts, with several bolts of lightning touching the ground at once. Not only does lightning contain millions of volts, but it is also extremely hot. The temperature of lightning is around 35,000 Fahrenheit, which is hotter than the surface than the sun. So when a bolt of lightning hits our property or the surrounding areas, it can cause fires, explosions, and damages to your electrical system. Because of how powerful lightning is, it can cause a lot of issues that leave property owners frustrated and overwhelmed. The best thing you can do for your property is to call your insurance company about your insurance policy so you can get a settlement for the damage.

The most common damages due to lightning are fires, power surges, and shock waves. When insurance companies are filing a claim for your lightning damage, they will attempt to find the location of where the lightning struck. If lightning did not strike on your property, some insurance companies can deny your claim. If your insurance company is saying the power surge happened off your property, you need to call Hope Public Adjusters today. Do not accept their decision without consulting a public adjuster for a second opinion. Insurance companies have their own insurance adjusters who will look at your property, but they are working for the insurance company and not you. Our public adjusters are here to advocate for you and your lightning damage claim in Indianapolis, IN so you can get the settlement you deserve. Get a free claim review and talk with one of our licensed public adjusters by calling us at (833) – 31 – CLAIM.

Cracks In Foundation

Property Damages Due to Lightning

There are so many ways in which lighting can cause extensive damage to your property. As stated before, fire, power surges, and shock waves are the most common culprits. The reason that lighting can set your property on fire is that it’s extremely hot and because it came into contact with something that is flammable. Power surges and shock waves affect your property in different ways. While fires can cause damages all over your house, power surges and shock waves cause damages to specific things in your property. If lightning strikes and causes a power surge, the things that are going to be affected are your electrical systems such as your electrical fixtures, computers, appliances, phone systems, as well as your HVAC systems and plumbing. If a shock wave is caused by lighting, you can be sure that the structural elements of your property like floors, foundation, chimneys, and retaining walls. In addition to fire, power surges, and shock waves, water damage and mold can be a concern, as water is used to extinguish flames and can cause damages when it’s not dried up. Here are areas that can be affected by lightning damage:

  • Roofing/roof framing and trusses
  • Chimneys
  • Framing
  • Garage doors
  • Attics
  • Insulation
  • Drywall
  • Floors
  • Windows
  • Plumbing
  • HVAC Systems
  • Electrical systems
  • Electrical fixtures
  • Appliances
  • Computers
  • Phone systems

This is why it’s so much easier for your insurance company to file a claim for lightning damage caused by fire than it is to file a claim for lightning damage due to a power surge or shock wave. It can be hard to prove that the shock wave or power surge happened directly on your property, so it is easy for them to write it off and deny your claim. At Hope Public Adjusters, our certified public adjusters will fight for you to get you the settlement that you deserve. We know that filing a claim can be confusing and complex, which is why we are here to help. We make the process easier by going over your claim with you and then taking over from there. If you need help with your lightning damage claim in Indianapolis, IN, please don’t hesitate to call us at (833) – 31 – CLAIM.

Cleaning Up Home After Damage

Lightning Claim Process

Our public adjusters are able to fight for you and protect you and your property in several ways:

  • We review your policy coverage with you.
  • Provide detailed inspections of the damage.
  • Write up a list of items and belongings that have been damaged.
  • Provide an estimate for damages due to lightning.
  • Fill out and prepare all of your documents.
  • File every piece of paperwork for you.
  • Consult with your insurance company about your insurance claim.
  • Make arrangements for cleaning, repairs, and replacement to damages.
  • Get you the settlement that you deserve.

Within 24 hours of going over your claim, inspecting the damage, and providing an estimate of damages, we will file the claim to your insurance company. We will also include a letter of representation so your insurance company knows that we will be representing you in this matter. Since we will be your representation, all contact from your insurance company will go through us. If for some reason the settlement is not secured, we will suggest that litigation is involved. Most of the time your insurance company will only get you 70% of your claim, but we will work tirelessly to ensure you get 100-150% of your claim. Our team is comprised of not just public adjusters, but engineers, mold remediation, and interior environmental specialists who will work to get your property back in shape. If you are ready to get the coverage that you need, call us at (833) – 31 – CLAIM to receive the best lightning damage claim for your Indianapolis, IN property.