How To Prove To Insurance Damage Is From Lightning

There is no one definitive way to prove that damage was caused by a lightning strike, as each situation is unique. However, some methods that could be used include inspecting the damage, speaking with witnesses, and reviewing weather data.

How To Prove To Insurance Damage Is From Lightning

There are a few ways to prove to insurance damage is from lightning. One way is to have a lightning detector or weather station that can show when and where lightning struck. If there is damage to the home and the detector was near the damage, it could be used as proof. Another way is to have a witness who saw the lightning strike.

-Tape measure -Pen or pencil -Paper -Camera or smartphone -Notepad -Calculator

  • Get insurance company’s damage claim form
  • Estimate the cost to repair the damage submit the claim form, photos/videos, and estimate
  • Take photos or videos of the damage

-Check the insurance policy to see if lightning is covered under the terms of the policy -Obtain a copy of the police report, if one was filed -Hire an insurance claims adjuster to inspect the damage and provide a written estimate -Take pictures of the damage -If there is any evidence remaining of a lightning strike (e.g. charring, scorching, etc.), take pictures of that as well

Frequently Asked Questions

Is Damage From A Lightning Strike Covered By Insurance?

There is no one definitive answer to this question. Some insurance policies may cover damage from a lightning strike, while others may not. It is important to read the specific terms and conditions of your individual policy to determine if damage from a lightning strike is covered.

Can You Claim For Lightning Damage?

Yes, you can claim for lightning damage.

What Are The Damages Caused By Lightning?

lightning can cause extensive damage to both people and property. it can start fires, cause injuries or death, and disrupt power supplies.


There is no one definitive way to prove that lightning damage is the cause of a given incident, but insurance companies will often require an expert report to support any such claim. The report should include an assessment of the damage, as well as an explanation of how it was caused by lightning.

How To Prove To Insurance Damage Is From Lightning

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