A lightning strike can cause significant property damage by directly impacting the structure or creating power surges. The intense heat and electrical energy from the strike may ignite fires, damage roofing materials, or cause cracks in walls and foundations. Power surges from the strike can fry electrical systems, appliances, and electronics, leading to costly replacements. Lightning can also shatter windows, damage plumbing, or compromise HVAC systems, depending on the strike's intensity and location. Immediate inspection and repairs are essential to address safety concerns and restore the property's functionality.
Each year, 1 in every 20 insured homes file an insurance claim with 98% involving property damage. (Insurance Information Institute, 2021. Claim average from 2017-2021.)
using a Public Adjuster increases the average insurance claim by 747%