Does Homeowners Insurance Cover Lightning Strikes? Understanding Homeowners Insurance Coverage for Lightning Damage

Understanding Homeowners Insurance Coverage for Lightning Damage: If lightning strikes your home, it can cause significant damage and pose a danger. Fortunately, lightning is among the hazards covered by a home insurance policy. Typically, damage caused by lightning is included in your homeowners insurance coverage. Bur, be sure to keep all receipts to submit them to your insurer.

Lightning Claim Damage | The Shelley Group, Inc

• Dwelling: This coverage assists in rebuilding or repairing your home if lightning damages its structure.

• Other structures: The coverage includes any loss due to lightning affecting detached structures on your property.

• Personal property: Your personal belongings at home are protected if they are damaged, including any fire or smoke damage resulting from lightning.

• Additional living expenses: Should your home become uninhabitable due to a lightning strike, this coverage will compensate you for the cost of finding alternative accommodations, up to the coverage limit.

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