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Property Insurance Claims: Lightning Strikes

Lightning may seem like something you do not need to worry about, but as a homeowner, you need to be aware of the risks. Lightning occurs when ice particles collide with each other inside clouds. When large and small particles collide, they create an electric charge, which we eventually see on Earth as lightning. Lightning can pose serious risks such as fire and damage to your property and in some cases, even death. Here are some tips to help you be better prepared in the case of a lightning strike.

Common Lightning Strike Locations

The places with the highest risk of lightning damage in the United States are Florida and Texas. Predicting a lightning strike and its potential damage is unlikely so it is always better to be prepared. In some instances, people walk away after being hit by a strike of lightning and appear to be fine. In other cases, homes can become engulfed in fire as a result.

Damages Caused by Lightning Strikes

There are different ways that lightning can affect the area that it has struck down in. The directness of the strike does have an impact on the level of potential damage it can cause. Here is some more information on the different kinds of strikes and how lightning can impact you.

  1. A Direct Strike: Luckily in this case, the most damaging kind of strike is the least common. When you are hit with a direct strike, the lightning moves throughout your body. With electricity traveling through the body, there is risk for potential burns and damage to cardio and nervous systems.
  2. A Side Flash: This is when lightning has struck an object and jumps to a person nearby. Usually, these kinds of strikes occur as someone is running away from a tree or taller structure.
  3. A Ground Current: This strike is similar to a side flash, but when this occurs, the electric current travels through the ground. A ground current is usually deadly or leaves the person seriously injured. Not only can lightning travel through Earth, but also through conductive materials such as a garage floor.
  4. A Conduction: This kind of strike is when the electricity is flowing through plumbing or metal wires and strikes a person. It is important to note that metal can conduct lightning, so staying away from doors, windows and electrical outlets during a storm is a safety measure you should take.
  5. The Streamers: Streamers can create a field of electricity over an area of Earth. When positive streamers expand up from the ground and negative ions are charged, there is a risk of danger to people and trees in that area.
Are Lightning strikes covered by insurance?

Lightning strikes are only covered if stated in your policy. There are some policies where they are excluded from coverage, so it is always a good idea to review your policy and know what you are covered for. If you are covered, you will likely call and file a claim. After that, an insurance adjuster will inspect the damage and give you a quote for what the insurance company will cover.

Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.

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