Areas of Practice

Lightning Damage Claims

Florida disaster recovery attorneys successfully recover compensation after lightning damage

Lightning strikes the United States about 25 million times each year, according to the National Oceanic and Atmospheric Administration. And when it does, it can cause significant property damage. Lightning can cause fires that destroy homes and personal belongings, often leaving homeowners with a pile of devastation. The Florida disaster recovery attorneys at Ged Lawyers, LLP successfully recover compensation for Florida residents who have sustained lightning-related property damage. When Florida rains, winds and lightning cause damage to your property, trust us to obtain maximum compensation for you from your insurance company. We have a long history of success and more than $40 million recovered for home, business and property owners just like you.

Damage caused by lightning

When lightning travels through the air, it can heat its path to a level that is five times greater than the surface of the sun. This high temperature can cause wood and other flammable materials to explode, resulting in fire damage. As the lightning current passes through wires and pipelines it causes them to instantly burn, which can cause complete property damage. When lightning travels through electrical wiring, the resulting explosive power surge can easily damage any appliances that are connected to that wiring. Shock waves that are produced by lightning can be particularly destructive, fracturing concrete and chimneys made of brick and stone.

Does homeowners insurance cover damage from lightning strikes?

Standard homeowners insurance policies cover damages that are a result of lightning strikes, including fire that is caused by lightning. Depending upon your individual homeowners insurance policy, you should have coverage for the following:

  • Personal property such as appliances, electronics, furnishings, and other interior possessions that were destroyed or damaged due to a lightning strike
  • Living expenses if you are required to live elsewhere while your home is being repaired or rebuilt
  • Damage to other structures, such as a garage of shed

Homeowners policies vary from one to another so it is best to carefully review your individual insurance policy to determine what coverages are included, and the deductibles.

Time limits for filing a claim

The statutes of limitations – are state laws that limit how much time is permitted to file a civil lawsuit. In Florida, the statute of limitations for filing a property damage claim is four years from the time the damage occurred. Claims that are not filed in the court system before this deadline will not heard by the Florida courts, not can you recover any compensation for vehicle damage.

Contact us to help you file a claim for lightning-related damage

Many homeowners purchase insurance policies and don’t think about it after the paperwork is complete. Until lightning strikes. And then the terms of your policy, the coverages and deductibles, are all very important. If you are filing an insurance claim for lightning-related damage to your home or property, we can help. The disaster recovery team at Ged Lawyers, LLP has a wealth of experience handling insurance claims related to lightning damage, successfully battling the insurance companies to recover the compensation you deserve. Contact a member of our team today at 844-443-3529 or online to schedule a confidential consultation to discuss your insurance claim.