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Lightning Hit My Home! Will My Insurance Cover This?

Posted on August 8, 2022

The temperature of a lightning bolt can be as hot as 50,000 degrees Fahrenheit, five times hotter than the surface of the sun[1], so it’s no wonder they can cause such devastation. According to the Insurance Information Institute, in 2021, Florida property owners made 5,339 insurance claims for lightning strikes, the highest of any state in the nation, with a collective value of $88.3 million[2]

What To Do If Your Home Suffers Lightning Damage

A lightning strike can cause varying levels of damage ranging from a few broken electronics and singe marks to complete destruction of your home. If it is safe for you to enter your home, take photographs and videos of all the damage throughout the house. Don’t clean anything up or throw anything away – even if it is damaged beyond repair. The next step is to call Get Paid For Your Claim at 1-800-635-8111. One of our licensed public adjusters will analyze your insurance policy to understand your coverages and come out to promptly inspect the property for structural damage, cosmetic damage, and personal property damage. If your home is uninhabitable, you are also entitled to receive compensation for living expenses, such as hotel and restaurant bills, clothing, and other necessary personal items. We will then file a claim with your homeowner’s insurance company and request compensation for all of these items. We are experts at working with insurance companies so we can minimize the likelihood of your insurance company denying your claim.

The next step is for your insurance company to send one of their adjusters to inspect the lightning damage. We will accompany them during their inspection to ensure that they are aware of and factor in all the damage to your home, whether it be damage to the wiring, singe or burn marks, fire and smoke damage, roof damage from the lightning strike, or damage to electronic devices. We will also provide the adjuster with our cost estimates to repair the damage.

If the insurance company provides an initial offer that is too low, which they often do, we will negotiate on your behalf to increase the offer until they provide the maximum compensation available under your contract. By having Get Paid For Your Claim handle this, you can focus on repairing and rebuilding your home rather than dealing with the added burden and stress of fighting with the insurance company.

Lightning strikes happen all too often in Florida and leave life-altering remains in their shadows. If your home has been hit by lightning, contact Get Paid For Your Claim today. Our licensed public adjusters are experts at fighting insurance companies so you can receive the funds you need to rebuild your life as soon as possible.

Insurance companies have their own team of experts and insurance adjusters to advocate on their behalf.  At Get Paid For Your Claim, weadvocate for you.  As a licensed and bonded Public Adjuster, we help insurance policyholders who have been forced to use insurance to make a claim.

Our service is fast and to the point.  We get results.  We know how to strategically move the process along, while negotiating on our clients’ behalf toward the best possible outcome — the maximum settlement available.

The earlier a public adjuster is brought into the process, the better the opportunity to help you obtain a more favorable claim settlement. As soon as you engage our team, we swing into action on your behalf.  And, we support you throughout the entire claim process to achieve the maximum insurance recovery. 

For a free inspection and claim consultation, please contact us at any of our convenient Florida locations.


[1] The National Weather Service. Lightning Safety Tips and Resources (weather.gov). Accessed June 28, 2022.

[2] Insurance Information Institute. Triple-I: Lightning Caused $1.3 Billion In U.S. Homeowners Claim Payouts In 2021; Supply Chain Issues Exacerbate Losses | III. Accessed June 28, 2022.

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