Property Damage and Living in the Lightning Capital of the United States

Florida was once again named the “lightning capital” of the United States after experiencing an average of 223 lightning strikes per square mile. Lightning strikes to property can result in severe damage, problems with electrical systems and appliances, and even fires. With so many lightning strikes per square mile, it means many homes in Florida are at higher risk of damage.

Property damage caused by lightning is typically covered under an insurance policy’s “storm coverage” clause. These claims are often difficult to prove, so it is critical that if your property is damaged, you document all damages and comply with all post-loss obligations detailed in the policy.

If lightning strikes your home, it is important to take photos of the damaged area as soon as the storm has passed, which may evidence charring, holes, or other marks. If the lightning struck an area close to the home and resulted in electrical system or appliance damage, photographs of that area may be crucial to ensuring your claim is covered by your insurance company.

Proving that lightning has been the direct cause of property damage may be difficult, which is why photographs are so important. If you are having issues with an insurance company failing to provide coverage due to a lightning strike, the Law Offices of Rina Feld may be able to help. Contact us today for a consultation.

This article is not intended to be legal advice nor create an attorney-client relationship.