Lightning
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 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.
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
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.
faq
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.