Damage Claim

Let us guide you through your lightning damage claim and make sure your homeowners policy has you properly insured!

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Work with all types of claims
30 years of combined experience
Provide complex approach

Lightning claims

Helping you navigate your Lightning Damage Claim

Lightning is one of the most unpredictable natural events that can be destructive to property owners. Without a designated path to reach the ground, a lightning strike may utilize any conductor available inside a home or building. This could include cable lines, phone lines, electrical lines, gas pipes and water pipes. The damage can be extensive and very costly to repair. It can be difficult to assess the extent of the lightning damage, which may be severe, and if your property is adequately covered by your insurance policy.

How do I get started?

Follow the 5 steps process with Ally Property Claim Advisors

Our advisors begin the process by throughly evaluating your property damage claim as well as your insurance policy. We know the right questions to ask. How big or complex is the claim? Does your insurance policy cover your property damage? Are you underinsured? Ally Property Claim advisors will guide you through your insurance policy coverage and evaluate what is needed before you get an estimate or file a claim. Calling the insurance companies first is often not in your favor for the best settlement. We will evaluate your claim honestly and fairly, using our years of expertise as industry leaders to walk you through the process.

Our advisors will evaluate the damage and assess how much the repair will cost for your property damage claim. We have industry resources and trained professionals on our team to perform an accurate site inspection. Based on the results of the inspection, Ally Property Claim Advisors will create a property damage estimate for you. We will answer all of your questions thoroughly and accurately based on our years of industry experience. From minor to complex claims, our advisors know exactly what to do. We work on your behalf, not the insurance companies.

It can be challenging to assess what to do with all of the data presented. Our expert advisors are there to help you make the most informed decision on how to proceed next with your claim: use the deductible, pay out-of-pocket or file? Ally Property Claim Advisors are here to manage and facilitate your property damage claim. We will also advise you if filing the claim is not the best move based on your particular situation.
We can help you with filing your property damage claim promptly and accurately. A fully prepared and documented claim expedites the process and payment exponentially.

When your property damage claim is correct, the next step is to ensure your insurance company pays your claim properly. We work diligently to make sure you receive the correct payment for your claim.

We’ve got you covered

Common lightning damages:

Fire damage

Electrical wiring damage

Fire hazards from contact with flammable material

Destroyed appliances and electronic devices from affected circuits

Damaged walls, concrete, plaster and glass

start the insurance claim process

Know what to do next

It can be overwhelming to start the insurance claim process on your own. You might not know the best way to get paid out as quickly and painlessly as possible.

Ally Property Claim Advisors know what to do and get results.

We can help with your lightning damage insurance claim immediately. Our dedicated team of professionals work on your behalf with the insurance companies to make sure you receive a full and fair settlement for all of your lightning damage repairs and losses.

We are your Ally in the insurance claim process

We will dispute any deals that are not approved. Our mission is to get you covered on all your lightning damage repairs and losses, no matter the size or complexity.

Ally Property Claim Advisors will conduct a fair and complete evaluation of the damages you’ve incurred and the cost it will take to repair the property.

Our advisors have the extensive knowledge and resources to conduct an objective analysis of the lightning damage claim and help you understand all of the options available to you. After lightning strikes, we step in as your professional problem solvers, while managing and facilitating your claim.


Frequently Asked Questions

What do I do after my property is damaged by lightning?

Creating a detailed estimate of your losses from the lightning damage is very important. Documenting damaged property and possessions as a part of your lightning claim will help your insurance company reimburse you for any losses, damages, or repairs. Look over your policy to know which items you should list. Taking photos or videos of the property damage is very important to document. If the lightning also caused fire or water damage to your property, this must also be well-documented on your lightning claim.

When do I file the lightning claim?

Once you’re finished detailing your losses, speak with an independent property claim advisor about how to submit the form before filing the lightning claim with your insurance company. Make sure what you turn in is correct, without any missing information. Insurers need a complete claim package to reach your settlement faster. Ally PCA can help you with your insurance documentation and answer any questions about your lightning claim. We can also advise you on whether it is worth filing a claim or not. Our experienced advisors have over 30 years in the insurance claim business! We know what to do to get your lightning damages covered fully and fairly.

How do insurance companies assess lightning damage?

Each insurance company will handle assessments differently. Typically, the company will send out an adjuster to determine the cause and extent of the lighting damage. With direct strikes, the damage is clear and evident. When lightning strikes in an area near the home, it is called a near miss, and while it can cause electrical damage, it is more difficult to trace. The same is true for ground surges, you may need to provide an insurance loss affidavit to your insurance company.

In the case of a near-miss lightning strike, lightning damage can be difficult to pinpoint and showcase as the cause of damage to electronics or wiring. This most often occurs when lightning strikes near a property and is not a direct hit. In these situations, a lightning affidavit may be necessary to process your insurance claim. 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 should I do if my lightning claim gets denied or underpaid?

If your insurer has denied your lighning claim, is delaying processing, or has offered less money than you believe you are owed, you should speak with a property claim advisor to explore your options. Ally PCA can help you assess your lightning damage claim or property claim dispute and offer solutions.