A lightning strike can cause devastating damage in seconds—igniting fires, destroying electronics, and compromising electrical systems hidden behind walls. While most homeowners policies clearly cover direct lightning strikes, the real challenge often lies in proving the full scope of what was affected. Some damage, especially to wiring, appliances, or HVAC systems, may not become obvious until days or weeks later—when items stop working or systems fail entirely.
This delay opens the door for insurers to dispute the cause. Many will try to categorize the event as a generic “power surge” rather than a lightning-related loss, which may result in reduced coverage or denial depending on your policy terms. Proving that the lightning strike—not aging equipment or fluctuating voltage—caused the failure is key to securing the full payout you're owed.
At Loti, we help make that connection crystal clear. Our team moves quickly to document every damaged item, bring in licensed professionals for inspection, and anchor the timeline to verified weather data—so your claim is built on evidence, not assumptions. We ensure your insurer treats the event as a covered peril and pays accordingly.
OUR APPROACH
Lightning Strikes—Fast Damage That Requires Fast, Precise Documentation
Photograph and catalog all damaged electronics, appliances, smart systems, and wiring
Get a licensed electrician or technician to assess the damage and provide a written cause-of-loss report
Save and submit weather data confirming the lightning strike's date, time, and location near your home
Request your full policy to review how it handles lightning vs. power surge events
Gather receipts, model numbers, warranty info, and replacement estimates for all affected property
Key Steps We Help You Take After A Lightning Strike:
Our technology platform organizes this documentation into a clean, structured claim—complete with expert narratives, policy alignment, and supporting evidence. We also manage communications with your insurer to prevent mischaracterization of the damage and ensure every part of the loss is properly covered.
At Loti, we turn a flash event into a strong, defensible claim. From blown circuits to destroyed appliances, we help you recover quickly and fully—so a lightning strike doesn’t leave you in the dark.
FREE RALLYBACKS
What Is the Fire and Lightning Peril?
The fire and lightning peril is a specific risk covered under most standard homeowners insurance policies. It provides coverage for damage to your home and Personal Property caused by fire, smoke, or lightning strikes. This peril is a fundamental part of homeowners insurance, given the potential for significant damage and loss associated with these events.
Understanding the Fire and Lightning Peril in Your Homeowners Insurance Policy: A Detailed Guide
Learn More
