Does Homeowners’ Insurance Cover Lightning Damage to Electronics? Many homeowners’ insurance policies cover lightning damage to electronics, but some companies may be reluctant to pay out what you are owed.

Ultimately, whether your homeowners’ insurance covers property loss as the result of a power surge rests on the details of your own policy. However, according to the Florida Homeowners’ Insurance Regulations, standard homeowners’ insurance policies include coverage for personal property, which may include any electronics that are damaged after a lightning strike. Electronics are some of the most common casualties when inclement weather causes a power surge.

However, getting compensation for these damages is not always easy. You will have to provide evidence that shows that a lightning strike did cause your losses and not your own negligence. This is where working with a legal professional can prove to be a useful resource.

For a free legal consultation, call (800) 747-3733

Your Losses From Lightning Damage Could be Extensive

A power surge caused by weather conditions happens when lightning sends a rush of electricity through the wires and plumbing of a home. Anything that is plugged in, including household appliances, computers, and televisions, can be “fried” by an overwhelming amount of electricity. Consequently, these devices can be severely damaged or not operate at all. 

In addition to digital devices that may be damaged or ruined because of a power surge, you may experience damage to your plumbing infrastructure and electrical grid, as these are two routes that lightning may take on its way to the ground.

Adding surge protection to your electricity bill via Florida Power & Light can ensure that in the event of inclement weather, you are at a reduced risk of losing items after an electrical strike.

A Lawyer Can Fight for the Compensation You Deserve

When you pay premiums each month on a homeowners’ insurance contract, you expect the policy to be there for you when you are in need, including having your homeowners’ insurance cover lightning damage to electronics. After Mother Nature claims some of your personal belongings, dealing with an uncooperative insurance company can be discouraging.

A lawyer can assist you in your pursuit of compensation by:

  • Filing the required paperwork to set your claim in motion
  • Investigating the circumstances of the lightning strike to demonstrate the extent of damage
  • Assembling a case for compensation
  • Estimating the value of your damaged electronic items
  • Protecting you against bad faith insurance practices

According to the Insurance Information Institute (III), Florida has the highest rate of lightning-related damages than any other state in the U.S. In 2018, the average claim caused by a lightning strike was $11,668.

If you have been denied for a property claim due to lightning damage to electronics, you could be taking a substantial loss. You should not have to pay out-of-pocket for damages that are covered by your insurance policy.

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Call Our Team at the Law Offices of Anidjar & Levine Today

We can go the extra mile in pursuing any compensation for which you are eligible. Your insurance policy should work to cover your losses, not cause unnecessary complications. To learn more about what we can do for you, call the Law Offices of Anidjar & Levine today at 1-800-747-3733.