Lightning Strike Insurance Coverage

Damage from lightning strikes including fires, power surges, and structural damage. Compare how different insurance companies handle lightning strike claims.

Typical Coverage Status

Usually covered under homeowners policies for resulting damage

Common Exclusions

  • Electronics without surge protection
  • Gradual damage from repeated surges

Prevention Tips

  • Install surge protectors
  • Unplug electronics during storms
  • Consider whole-house surge protection

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