Peril: Sudden and accidental damage from Artificially Generated Electrical Current

This peril is also known as "electrical damage," covers damage to an insured structure caused by the discharge of an artificially generated electrical current, as opposed to naturally occurring currents like lightning. The damage must be sudden and unexpected, not gradual or foreseeable.

The sudden and accidental damage from artificially generated electrical current peril covers unexpected damage to an insured structure caused by electrical surges or discharges from artificial sources, such as power surges or short circuits. It excludes coverage for gradual damage, foreseeable issues, or damage to certain electrical components like tubes, transistors, or similar devices.

AVERAGE COST PER ELECTRICAL CURRENT CLAIM: 

$11,971

(Insurance Information Institute, 2020)

More than $900 million in lightning claims were paid out in 2019 to nearly 77,000 policyholders (Insurance Information Institute, 2020).

Insurance policy types (forms) that cover this peril

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"Sudden and accidental damage from artificially generated electrical current—aka, the ‘Nooo! My house just got zapped by techno-gremlins!’ peril. Picture this: a power surge fries your fancy new gaming PC, or your appliances throw a tantrum because of some rogue electrical spike. It’s all about those unexpected jolts that make your electronics go ‘poof!’ But remember, no coverage for wear and tear or you playing Dr. Frankenstein with your wiring."
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Public Adjusters at Tiger Adjusters are trained to create accurate and detailed property inspections to correctly account for all loss or damage.

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A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.

Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.

Public Adjusters at Tiger Adjusters offer a free insurance policy review.

Complimentary policy review

Be honest — did you read the fine print of your insurance policy? 

When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.

Public Adjusters at Tiger Adjusters are trained to create detailed loss estimates to file with an insurance claim.

Filing claim & All necessary paperwork

We create a detailed loss estimate and file your claim plus complete all the required  documentation.

It’s tedious work but when it comes to the value of your claim, the dollars are in the details! 

Public Adjusters at Tiger Adjusters  fully represent you in insurance carrier negotiations. We fight to recover all funds needed to cover your property damage.

Negotiating your claim

Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly. 

If not, we fight for funds for all covered damage so that you can repair and restore your property.

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