Will Home Insurance Cover Lightning Strike?

Your homeowner’s insurance policy will pay to repair or replace your home if a covered event occurs, but is lightning one of those covered events? The professionals at Storey Insurance, servicing Senatobia, MS, can help answer this question. If a lightning strike has damaged your home, knowing what your home insurance will cover and what to do next is important. Our insurance agents are here to help.

Does Home Insurance Cover Lightning Strike?

Most home insurance policies do cover lightning strikes. This includes lightning striking your house and damage that may occur if a nearby tree is struck by lightning and falls on your house or other structures on your property. Lightning strikes can cause a fire and may damage appliances and sensitive appliances. If your home has been affected by a lightning strike, your home insurance policy could be a very important part of your recovery.

What Should You Do If Your Home Is Struck By Lightning?

If your home is struck by lightning, the first thing you should do is get yourself and your family members to safety. Call for emergency services and vacate the area if your home is on fire due to a lightning strike. If your home is not on fire, you can assess the damage. Your appliances and sensitive electronic equipment may be damaged or ruined.

Once you’ve assessed the damage, contact your insurance agency. You may need to file a claim to get your home and personal belongings repaired. Your insurance agency will likely send a claims adjuster to your home to assess the damage. They may also ask you to take pictures of the damage, keep any receipts for items you purchase, and fill out forms.

Do you have questions about recovering from a lightning strike? Call Storey Insurance, servicing Senatobia, MS. We can help.