Lightning Strike Florida Claim Guide. Public Adjuster.
Lightning strike claims combine structural, electrical, and electronics coverage. Surge damage to electronics is the most commonly missed scope.
Lightning Strike is a Florida property insurance claim category. Lightning strike claims combine structural, electrical, and electronics coverage. Surge damage to electronics is the most commonly missed scope.
Scope
What a lightning strike claim looks like
Documentation checklist
- ✓Point of strike if visible
- ✓Failed electronics inventory
- ✓Electrical damage documentation
- ✓Fire marshal report if fire resulted
Know the traps
Common exclusions
- XPower surge not caused by lightning
- XPre-existing electrical issues
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Ballpark
Typical settlement range
Decision
When to call a public adjuster for lightning strike
If your lightning strike claim is delayed, underpaid, or denied, a licensed Florida public adjuster under FS 626.854 can review the policy and the carrier's scope. Your Homeowner Claim Bill of Rights spells out what the carrier owes you. See also FS 627.70131 on carrier duties, FS 627.70132 on notice deadlines, and FS 626.9744 on matching requirements.
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Free review for lightning strike claims.
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Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Watch for these
Related denial reasons
Wear-and-tear denial
The most common improper denial.
Pre-existing damage denial
Carrier claims damage predated the event.
Failure to mitigate
Carrier says you should have prevented further damage.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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