What we handle
- Direct lightning strike damage
- Power surge damage following a strike or grid event
- HVAC compressor and condenser damage
- Appliance damage (ranges, refrigerators, dishwashers)
- Electronics damage (televisions, computers, smart-home systems)
- Electrical panel and wiring damage
- Roof damage from strike impact
Coverage basics
- Lightning is a named peril in most homeowner policies
- Power surge is typically covered when caused by a named peril (lightning, wind)
- Grid-caused surge (utility-side) may or may not be covered depending on policy
Common disputes
- Age vs. event: HVAC compressor failure attributed to age
- Scope of electronics damage: carrier limits replacement to specific items, excluding systems damage
- Whole-home rewiring: when a strike affects home wiring, carrier may scope only the visible damage
Documentation that supports
- Weather data confirming lightning in the area on the date
- Electrician's diagnosis of the damage
- HVAC technician's written report
- Photographs of damaged equipment
- Receipts for immediately replaced items (typically excluded from settlement if not documented)
- Utility report if grid-surge related