What do I do if
Lightning damage without direct strike to my home.
Nearby lightning surges can cause damage.
Lightning damage without direct strike to my home.
Root cause
Why this happens
Nearby lightning surges can cause damage.
Know the law
Your rights
Lightning-caused damage is typically covered.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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.
What to do
Solution steps
- 01
Step 1
Document utility surge records
- 02
Step 2
Provide electrical damage evidence
- 03
Step 3
File lightning claim
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Flood claim denied when source was plumbing.
Flood-NFIP vs homeowners water damage confusion.
Neighbor's fire spread to my house.
Multi-party fire spread creates subrogation and coverage overlap.
Tree from public right-of-way fell on my property.
Municipal tree liability.
Utility company tree fell on my property.
Utility-owned trees have different subrogation paths.
Construction debris from neighbor's work damaged my home.
Third-party construction liability.
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.
Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
Go deeper
Related resources
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Help Center
Common problems.
See also
Other common problems
Catastrophic claim handling delays (standard).
Another situation Florida policyholders face mid-claim.
Scope document has multiple revisions (standard).
Another situation Florida policyholders face mid-claim.
Attorney vs public adjuster decision (variant 3).
Another situation Florida policyholders face mid-claim.
The mortgage company is holding my insurance check.
Another situation Florida policyholders face mid-claim.
My contractor's estimate doesn't match the carrier's scope.
Another situation Florida policyholders face mid-claim.
Temporary repairs are permanent but carrier won't pay permanent.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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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