Lightning Damage Claim Lawyer

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

A lightning damage claim lawyer at the Moore Law Firm can guide you through the claims process if the insurance company is refusing to offer you fair compensation, they have denied your claim, or they are delaying your claim.

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 compensation you’re entitled to will depend on many factors, including:

• 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