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Understanding Homeowners Insurance Coverage for Lightning Damage

Updated: Mar 28

Kristine Lee (Updated February 6, 2024) Does Homeowners Insurance Cover Lightning Strikes? https://www.thezebra.com/homeowners-insurance/coverage/lightning-strike-insurance/

Lightning can be destructive and dangerous if your home is struck. Luckily, lightning is one of the perils a home insurance policy covers.

Lightning Claim Damage | The Shelley Group, Inc
Lightning Claim Damage | The Shelley Group, Inc

Damage caused by lightning is usually covered by your homeowners insurance policy. Home insurance coverage can provide the homeowner with compensation for:

-Dwelling: If lightning strikes the structure of your home, this coverage will help you rebuild or repair it.

-Other structures: The coverage applies to any lightning-related loss of detached structures on your property.

-Personal property: Any personal belongings in your home are covered if they sustain damage, including any subsequent fire or smoke damage that may have occurred as a result of lightning.

-Additional living expenses: If you need to find accommodations elsewhere because your home becomes uninhabitable as a result of a lightning strike, this coverage will reimburse you for those expenses up to the coverage limit. Make sure to hold onto any receipts and provide them to your insurer.

In many cases, hazardous weather-related incidents (including natural disasters) aren’t cut and dry in the insurance world — even if lightning doesn’t directly strike your home, your property can still suffer a lot of damage.


If you have any issues with your Insurance Company regarding a lightning claim, and would like a free analysis, contact The Shelley Group, Inc. today.

 

Navigating the Insurance Claims Process for Your Business or Personal Property.

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