When Lightning Strikes: What Homeowners’ Insurance Policyholders Need to Know

Most homeowners never give much thought to the threat that their home might be damaged by lightning.  How many times have your heard the statement, “The odds of being struck by lightning are greater” than some other risk.  This cavalier attitude toward the risk of a home being damaged by lightning flies in the face of statistical evidence.  Lightning is the hazard at issue in 300,000 insurance claims annually throughout the United States.  These claims result in approximately $400 million in property damage.  If you are a homeowner in Miami or the surrounding vicinity of Florida, the risk of your home being damaged by lightning is greater than in any other state because of the frequency of storms in Florida.  Our state experiences twelve lightning strikes per square mile each year.

Lightning can cause damage to your home via a direct lightning strike to your residence, or a strike to a tree that causes a falling limb to damage your home.  A homeowner also can experience property damage that results from loss of electrical power or fire caused by lightning.  I have successfully assisted many homeowners in recovering the money they need from their insurance company, so they could rebuild their home following a disaster.  I utilize my experience as a claims adjuster prior to becoming an insurance claims attorney, so I can obtain the full value of my client’s claim.  Fortunately, most homeowners’ insurance policies cover lightning damage, which includes fires started by lightning.

If your property has been damaged by lightning but your insurance company continues to deny your claim, I can review your policy and the documentation you submitted when you filed your claim.  Because I have represented thousands of policyholders, I recognize that insurance policies often are voluminous, convoluted and virtually impossible to comprehend unless you routinely handle insurance claims. 

Once I review your policy, documents submitted with your claim and your correspondence with your insurance company, I can fully explain your rights, options and obligations under the policy and Florida insurance law.  My firm can assist you in complying with procedural requirements for successfully filing your claim and help you meticulously document your loss.  Our assistance can prevent avoidable delays in getting your home repaired.  We can also help you obtain compensation for your personal property inside the home that is damaged, such as computers, televisions and other electronics.

When your residence is damaged by lightning, you might experience a catastrophic loss.  If your insurance company is offering a settlement of your claim that you do not believe is adequate, you should call and speak to me, so I can assess the settlement and advise you of your options.  While a representative of the insurance company might attempt to talk you into accepting a low-ball settlement, you have paid premiums for your insurance, so you do not need to accept less than the fair value of your claim.

If you are struggling to get your homeowners’ insurance company to pay the full value of your lightning damage claim, I invite you to contact my law firm with your questions.  I am an experienced homeowners’ insurance claims attorney who handles disputed claims in Miami and throughout Florida.  The Law Firm of J.P. Gonzalez-Sirgo, P.A. offers free consultations and case evaluations.  No Recovery, No Lawyer Fees.  Call 305-461-1095 or Toll Free 1-866-71-CLAIM.

Be the first to comment!
Post a Comment