Florida is considered the lightning capital of the US with 17 of the top 30 cities nationwide for lightning. Strikes. As such, the question we commonly get asked is “does home insurance cover lightning strikes?”
And the answer is ….. yes.
In fact, lightning related claims have approached nearly $1B per year with nearly 77,000 claims filed annually. And which state leads the way for the number lightning claims? You guessed it …. Florida. Nearly 10% of all lightning claims happen in Florida and nearly 10% of all lightning related claim payout happen in Florida as well.
If you experience damage to your house as a result of a lightning strike, remember your duties after a loss. First, report the loss to the insurance company directly or to the agent. Second, make reasonable and necessary temporary repairs to protect the property from further damage. Take photos and keep receipts where appropriate. And lastly, prepare an inventory of damaged property and don’t throw anything away until the insurance companies give you the green light to do so.
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