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Lightning Damage Considerations

Lightning strikes are one of the most unpredictable weather events. A bolt can travel at speeds of 140,000 miles per hour or more and get up to 50,000° F. Every year, about 25 million cloud-to-ground lightning strikes occur in the U.S., according to the National Weather Service. It only takes one strike to cause a fire, explosion, building collapse or disabling power surge.

Even if your commercial insurance policy covers damage caused by lightning, your insurance company may debate the validity of your claim. This is particularly true if the lightning damage mimics damage caused by a power line surge, which your policy may not cover. You may also run into problems if the lightning didn’t directly hit your property, but stuck a nearby tree, causing it to fall onto your building.

Dealing with a lightning claim requires the specialized expertise and attention of a public insurance adjuster. If you experience lightning damage, calculate the impact of the business interruptions and asset losses with the help of a public adjuster before filing a claim on your own.

Using a Public Insurance Adjuster to Navigate a Lightning Damage Claim

A public adjuster’s role is to maximize the benefits outlined in your insurance policy. Lightning claims can be tricky because you may not immediately notice all the damage that a strike caused. At Commercial Claim Pro, we have public insurance adjusters who specialize in determining the full scope of lightning damage to items like:

  • Machinery
  • Computers
  • Telephone lines
  • Internet cables
  • The general electrical infrastructure

When lightning causes an electrical surge, your public adjuster will help determine if the surge occurred on your property. If it did, the professional will gather the proof and documentation needed for your insurance claim.

From filing your claim to negotiating with the insurance company, a public adjuster has you covered. At Commercial Claim Pro, our public insurance adjusters advocate for your best interests and work on your behalf, so you don’t have to navigate the insurance world’s legal landscape on your own. Call us today to learn how to maximize your lightning damage claim.

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