2. Lightning can be up to ten miles long.

Storm-prone states like florida also run the high risk of light ning strikes, which can cause an estimated $30 million worth of damage every year to residents’ properties. Central florida, where ask an adjuster’s offices are located, experiences around 90 thunderstorms per year, peaking during the hot summer months. During these summer months, brevard county can expect between four and six thousand lightning strikes per month, a staggering two hundred strikes per day! lightning strikes can cause damage to a wide range of personal property, including roof structures, appliances, furniture, and electronics. A lightning strike can be up to ten miles long, and is attracted to conductors like pipes, metal roofs, and trees.

Traditional homeowners insurance covers damage related to a lightning strike. It is important to confirm policy exclusions, limitations, and loss settlement clauses that affect dwelling and personal belonging claims before a loss occurs. For example, damage from a direct lightning strike or near miss is typically covered, but damage from an artificially generated current (electric line or transformer-related power surge) is not. Lightning damage to the dwelling is a structural loss. This type of loss is settled on a replacement cost basis, which means the claim is not reduced for depreciation. Detached garages and sheds are appurtenant structures. Losses to these buildings are also unaffected by depreciation.

3. You attract lightning.

The raw materials that go into wind and solar project s are attractive to lightning. Wind turbines are predominantly made of steel, a highly conductive material. Moreover, for several years suppliers have been using carbon fibre in blades, which is both thermally and electrically conductive. Turbines are also becoming taller, and “up lightning” is a more and more frequent phenomenon whereby the turbine’s own electric field can meet an otherwise ‘off target’ lightning strike, leaping off the tip of the blade and causing damage. In any case, lightning to blades is one of the most common kinds of claim for wind projects.

1. Install surge protectors surge protectors can help sensitive electronics like computers, televisions, cable boxes, etc. 2. Install a lightning protection system the purpose of these systems is to protect against fire and structural damage. They guide lightning into the ground in the event of a direct strike, but they don't attract lightning and they won't provide surge protection. 3. Take a detailed inventory of your personal property take pictures and include whatever documentation you have. Keep the inventory in your safe deposit box.

5. 2,000 Thunderstorms are happening now.

Although lightning can strike everywhere in the u. S. , the southeastern states are the most vulnerable. Except for a few locations, such as the rocky mountains, where thunderstorms frequently occur throughout the summer, the chances of lightning happening typically dips from the southeast to the northwest. According to the cdc, the states with the most lightning-related deaths and injuries include florida, texas, colorado, north carolina, alabama, arizona, georgia, missouri, new jersey and pennsylvania. Florida is called the “lightning capital” of the country, with more than 2,000 lightning injuries over the past 50 years. People who work outside or enjoy outdoor activities are more likely to be struck by lightning.

2. Surge protectors are no match for lightning.

Lightning damage a lightning strike is an electric discharge on a massive scale between the atmosphere and an earth-bound object. A lightning strike can be very costly since it can cause fire damage, electrical damage, plumbing damage and structural damage. You can protect your home safe by installing surge protectors, service panel suppressors. If you are a victim of lightning damage, call us for a free inspection, we will go over your insurance policy with you to make sure you are fully covered for your claim. At florida public adjusting, every public adjuster florida team is trained to evaluate and estimate the entire cost of repairs that arise from any type of lightning damage to your property.

Identifying All the Damage Done by a Lightning Strike

With climate change the incidence of storm damage and its severity is increasing. Storm damage to buildings and their contents can occur following sustained high winds, isolated strong gusts, and vortexes and is often combined with torrential rainfall. Lightning is a naturally occurring phenomenon generated in electrically charged storm systems. Lightning may appear spectacular, but can cause devastation to buildings and their contents. Damage to roofs, chimneys, walls, and the fabric of buildings and their fixtures by the force of the gusts or the lightning strike is typical followed by rapid ingress of rainwater into a building causing damage to its contents.

Property claims due to lightning are not very common in ireland but there a number of cases that happen each year. A strike of lightning can be extremely severe and can have devastating and sometimes fatal consequences. Even if your property is properly earthed a lightning strike still has the potential to cause significant damage to your property. In most cases a lightning strike may only affect the electrical components of the property such as the main consumer board, sockets, tv points, fridge, washing machine, tv’s, computers, etc but it can also in some instances cause damage to the building itself either by igniting a fire or by leaving severe cracking to walls and plastering.

Although the majority of strategies and methodologies in adjusting a lightning damage claim are similar to that of other losses, there are unique aspects of this peril that require special attention and expertise. For lightning losses that do not result in an ensuing fire loss, most damage is caused by the electrical surge that is produced by the strike. Although not always immediately known, lightning can cause catastrophic damage to appliances, electronics, computers and equipment, phone systems, electrical fixtures, and the electrical infrastructure of your home or business. The resulting damage, once identified and measured, may be far more significant than one initially believes, possibly leading to temporary loss of use (of the home) for the homeowner or significant loss of revenue for businesses.

The conventional saying is that lightning striking is rare, but it’s just not true in central florida. Central florida is the most lightning-prone area of the country, according to the national weather service, and it frequently strikes homes and does significant property damage. When that occurs, most property insurance policies cover the damage. However, the insurance company does not always act accordingly.