Lightning Damage Claims
A strike does damage long after the flash is gone.
Lightning surges through wiring and grounding systems, frying electronics, HVAC controls, appliances and even the electrical panel — often without a visible mark. Carriers demand proof the damage came from the strike, not age.
We coordinate electrical and forensic inspections to trace the surge and prove causation, then document every affected system so nothing is left off your claim.
Lightning losses we handle
- Electrical panel & wiring damage
- HVAC and pool-equipment failure
- Appliance & electronics damage
- Well pumps & irrigation systems
- Fire caused by strikes
- Hidden surge damage disputes
Why work with a public adjuster
Insurance companies staff their claims with experienced adjusters, engineers and attorneys — all working to limit what they pay. A public adjuster is the only licensed professional who represents you instead. We interpret your policy, document the full scope of loss, and negotiate on your behalf so nothing is left on the table.
Our process
Free inspection & policy review
We assess the damage and review your coverage at no cost or obligation.
Detailed documentation
We build a defensible, line-item estimate capturing every element of your loss.
Negotiation & appraisal
We handle all insurer communication and push for a fair, complete settlement.
Recovery
You collect what you're owed — and we're paid only from that recovery.
Frequently asked questions
How do I prove lightning caused my equipment to fail?
Causation is the whole fight in lightning claims. Strike-verification reports, electrician findings, burn and surge markers at the panel, and the timing of the failures together build the link. We coordinate the right inspections before the insurer writes the damage off as age or wear.
Is HVAC or pool equipment damaged by a surge covered?
Generally yes, when lightning is the cause — but carriers frequently blame equipment age or maintenance instead. Documenting the surge path from the strike through the electrical system to each failed component is what gets these items paid.
What does it cost?
Nothing up front. We work on a contingency basis — we don't get paid unless you do. Your free evaluation carries no cost or obligation.
My claim was already denied or underpaid. Can you still help?
Yes. A large share of the claims we take on were previously denied or underpaid. We frequently reopen and re-document these claims to recover what was owed.