Lightning Damage Claim Lawyer
A lightning strike at a home is a frightening, dangerous, and unexpected event. The most common issue with a lightning strike is an electrical surge. This surge can cause damage to the contents of a home, including damage to electrical fixtures, electronics, and appliances. Lightning can also start fires. When filing a claim, a policyholder often fails to recognize the types of damage a lightning strike can cause to their property. In most cases, an insurance company will take advantage of this, paying the policyholder less than what they’re owed.
If your home has been damaged by lightning, you need the help of an experienced lightning damage claim lawyer at the Moore Law Firm. Our legal team has years of experience helping homeowners fight for the fair compensation they deserve. Our lightning damage claim attorneys understand that recovering compensation for this type of damage can be challenging. We’re here to help guide you through the claims process and recover the compensation you need to repair your property and move on with your life.
How Can a Lightning Damage Claim Attorney Help?
When lightning causes significant property damage, you can file an insurance claim to pay for repairs related to the destruction. If the claims adjuster doesn’t approve your claim or offers a low settlement amount, a lightning damage claim lawyer at the Moore Law Firm can help you fight for the fair compensation you’re owed. Our legal team can help by:- Investigating the incident and gathering evidence of damage
- Reviewing your policies
- Taking over all communication with the insurance company
- Building a strong case that proves your demand for compensation
- Negotiating a fair settlement
What Types of Property Damage Can Lightning Cause?
A lightning strike can result in serious property damage. In addition to direct property damage, it can also cause:- Pinhole plumbing leaks
- Electrical shortages
- Damage from falling trees
- Damage to appliances or electronics
- Fires
Does Homeowners Insurance Cover Lightning Damage?
A standard policy will cover the structure of a home and personal property, such as electronics, appliances, and furniture that could likely be destroyed or damaged by lightning. Some policies may cover living expenses if a home is uninhabitable due to damage. This can include food costs, hotel stays, and other expenses the homeowner may incur while their home is being repaired.Why Do Insurance Companies Deny Lightning Damage Claims?
An insurance company can deny a claim for many reasons, including failure to follow the correct procedure when filing a claim. They can also deny a claim for the following reasons:- Failure to meet the insurer’s requirements
- The damage was too minor
- Adequate proof was not provided
- The incident was not reported promptly
- The policyholder failed to file the claim correctly
- The policyholder did not provide adequate documentation
- The claims adjuster believes the damage was caused by something other than lightning
What Types of Financial Compensation Are Available for Lightning Damage Claims?
After lightning damages your property, you may need compensation to help cover the cost of repairs, replace damaged items, and other costs, including:- Siding repair or replacement
- Roof repair or replacement
- Fire and smoke damage
- Water damage
- Window replacement
- Patio or porch repairs
- Replacement of damaged electronics, appliances, furniture, equipment, or personal items
- Landscaping and lawn services
- Flooring replacement
- The reimbursement of destroyed valuables such as artwork
- Temporary housing
- Storage and moving fees
- Reimbursement for spoiled foods
- The extent of property damage
- The policy’s coverage limits
- The value of destroyed property that needs to be replaced
- Any losses and expenses incurred during repairs
