Did You Know that Lightning:
- Can travel nearly 40 miles?
- Reaches temperatures of up to 90,032° F?
- Causes billions of dollars in property damage each year?
(Source: Lightning Protection Institute)
Lightning strikes are also deadly, causing about 100 fatalities in the United States each year. Due to the nature of lightning (high heat and up to 40,000 amps of electrical current), lightning damage tends to be substantial. Fires, explosions, building collapses, and damaged electrical equipment are common forms of lightning damage. Water pumps, alarm systems, HVAC systems, plumbing lines, wiring, blower motors, and expensive machinery are also vulnerable to lightning strikes. In addition, water and smoke damage can result.
As you can imagine, lightning losses can quickly add up, making it important for a public adjuster to become involved. Accredited Public Adjusters understands that damage to equipment, machinery, electronics, and building systems is not always evident at first. After all, these items may look just fine. However, they should be thoroughly inspected and tested to ensure their integrity. If lightning has rendered these systems inoperable, the damage must be documented and proved before the insurance company will pay. Public insurance adjusters experienced in assessing lightning damage can help you make your case and recover the full amount to which you are entitled under your property insurance policy.
Lightning causes both obvious and hard-to-find damage. Make sure to protect yourself and your property by working with Accredited Public Adjusters.
Accredited Public Adjusters works on your behalf to:
- Inspect your property for signs of lightning damage
- Evaluate electrical appliances, devices, building systems, machinery, and other items that are vulnerable to electrical surges
- Determine the full extent of your lightning losses
- Document and prove your losses
Lightning claims are tricky in that lightning damage often looks like damage from a power line surge which may or may not be covered by your insurance policy. If your policy excludes one or the other type of high voltage event, you will need an independent technical or engineering expert to verify which event caused the damage. In the meantime, you may want employ a device to guard against future power surges.
This article was partially written by Electro-Mechanical Recertifiers, Inc. (ER Inc.) and Accredited Public Adjusters, LLC (licensed in Florida, Georgia and North Carolina).
Who says lightning never strikes twice? To learn more about lightning-related insurance claims, contact Accredited Public Adjusters, LLC.