What to Do If Your Home Is Struck by Lightning
Review these simple tips.
According to the Insurance Information Institute, U.S. insurance and reinsurance markets saw a record-breaking $5.7 billion losses from thunderstorms and convective weather in the first quarter of 2017. Of course, human safety is most important when it comes to lightning storms. But lightning also poses a serious risk to your property, and home damage from a lightning strike can amount to thousands of dollars in repairs.
If your home gets struck by lightning and you're at home, you and everyone inside should immediately leave the home and call 911. The fire department will do a thorough review of your property and any damage incurred. Once the inspection is complete, you will have to call your insurance company to alert them of the situation, as insure.com explains. Most home insurance policies cover lightning-related damage.
Dick Luedke, a State Farm spokesperson offers insure.com several more tips on what you can do if this happens to you:
- Keep detailed records of all large electronics purchases you make so you can provide proof of ownership to your insurance company.
- Keep accurate tabs on any expenses you have to replace items in your home or repair damages.
- Make sure to review your insurance policy for details regarding your plan.
- Before you throw anything out that was damaged in the storm that you plan to put in a claim for, check with your claim representative first.
Read the full article here.
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For more information on lightning protection and how to safeguard your home from damage, read more on the Lightning Protection Institute's website here.
While we have you on the topic of home safety, now's a good time to review what to pack in your hurricane survival kit. Stay safe and watch the weather!