Lightning Insurance Claims

The power of lightning is extraordinary. An atmospheric discharge of electricity, a lightning bolt can travel at 60,000 miles per second and can contain up to one billion volts of electricity and generate temperatures as high as 54,000° F. There are over 16,000,000 lightning storms each year. Cloud-to-ground lightning bolts are a very common occurrence.

Despite the saying related to one’s chances of being struck by lightning being very low, an estimated 24,000 people are killed by lightning strikes around the world each year and about 240,000 are injured.

Fortunately, lightning insurance claims for damage to property are less common. Approximately 6.5% of property/casualty claims are related to lightning strikes. Despite the relatively low frequency of lightning claims, the damage caused tends to be quite severe and devastating.

Lightning strikes can cause various types of damage, including fire damage, roof damage, damage to the structure of your home or business, and failure of your electrical systems, appliances and electronics. Other types of damage include power surges that can cause loss of computer and appliances.

For information about what to do to secure your belongings inside your home in case of a lightning storm, there is some good information on this Web site. For safety tips when you are caught outdoors when a lightning storm begins, visit this site.

If you have a problem involving lightning damage at your residential or commercial property, please don’t hesitate to contact Miami Insurance Attorney James C. Ligman PA to settle your lightning insurance claim promptly. Let our years of experience in all aspects of first person property insurance litigation experience work for you.