How do you prove a car has been struck by lightning?

There are several ways to prove your car was damaged by lightning, including photos, videos, and having your mechanic give you something in writing explaining why the damage to your car was most likely caused by a lightning strike.

How do you prove your house was struck by lightning?

Here are three signs you can watch out for that indicate a lightning bolt may have hit your home. Visible Fire Damage on the Roof. The most significant danger to your home from lightning is fire. ... Shockwave Damage to Your Home. ... Power Surge or Electrical Damage Inside Your Home.

Does insurance pay for lightning damage?

The good news is that lightning strikes, as well as fire caused by lightning, are covered perils in almost all homeowners insurance policies, with no exclusions.

Does insurance cover fire caused by lightning?

Most standard homeowners insurance policies will cover damage to your home caused by lightning strikes. In addition, a homeowners policy usually covers fire damage if the lightning sparks a fire that damages your home. This would be covered under your dwelling coverage.

Should I file a claim for lightning damage?

Lightning strikes can cause fires inside or outside your home, ruin expensive appliances and electronics, damage wiring in the walls, and potentially shock and injure you or someone in your household. The good news is lightning is covered by almost all homeowners insurance policies.

How do I prove my insurance is damaged by lightning?

To prove that lightning has damaged your home and belongings, you will need to show proof. A hole, char marks, or other damage to the exterior of your home is great proof and should be photographed as soon as it is safe to go outside.

Should I file a claim for lightning damage?

Lightning strikes can cause fires inside or outside your home, ruin expensive appliances and electronics, damage wiring in the walls, and potentially shock and injure you or someone in your household. The good news is lightning is covered by almost all homeowners insurance policies.

What is a lightning affidavit?

The lightning loss affidavit is completed by a service provider (usually a licensed electrician) who inspects the damage and confirms under oath that lightning was the source of the damage. What is the difference between a power surge and a lightning strike? Lightning strikes are just one cause of power surges.

Get Lightning Affidavit

AFFIDAVIT LIGHTNING LOSSES DATE: TO WHOM IT MAY CONCERN: I (we) inspected/repaired (item damaged) Model #: Serial #: Model Year (Age) Date of Purchase: Purchase Price: Size Where Purchased: Purchased.

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