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Fire & Water - Cleanup & Restoration

Does Home Owner’s Insurance Cover Lightning Damage?

5/11/2022 (Permalink)

SERVPRO pop quiz graphic Lightning causes roughly $451 million dollars of property damage a year. Did you guess correctly?

Generally speaking, yes, homeowner’s insurance will cover damage to your property resulting from a lightning strike. There are three classifications that insurance companies typically use for lightning strike claims.

  • Lightning Strike-This causes the most property damage and is typically the easiest to collect a claim on.
  • Near Miss-This is when lightning strikes near your property but is not a direct hit. This can be harder to collect a claim on since the damage is less obvious.
  • Ground Surge-This is when a lightning strike causes a surge of electricity through an area. Although it is the most common claim, it is one of the most difficult to prove and hardest to collect on.

If your property has damage resulting from a lightning strike SERVPRO of Vero Beach can help! We can not only help restore your property but we can deal with your insurance directly. This can help reduce a significant amount of stress during such a trying time.

SERVPRO of Vero Beach



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