Power surges can happen in an instant—but their effects can ripple through your home’s most expensive systems. Whether caused by lightning, utility service failures, or sudden voltage spikes, surges often fry appliances, HVAC systems, electronics, smart devices, and home automation setups. Despite being a common and costly issue, coverage for power surge damage is often limited, vague, or buried under policy sublimits that many homeowners don’t discover until it’s too late.
Insurers may challenge these claims by pointing to the age of the equipment, suggesting the damage was due to wear and tear rather than a sudden event. Others may apply confusing coverage restrictions or sublimits specific to electronics or “electrical disturbance,” especially if a specific endorsement wasn’t added to the policy. That’s why clear evidence, expert evaluations, and smart organization are essential to getting your claim approved—and paid fairly.
At Loti, we help you take control of a frustrating, highly technical claim process. We assist in identifying what was damaged, how the surge occurred, and whether the source was internal, lightning-related, or caused by your utility provider. From there, we structure your submission to align directly with the applicable coverage language in your policy.
OUR APPROACH
Power Surge Damage—Technical Losses That Demand Precision and Proof
Photograph each damaged device, appliance, or system, and record brand, model, and serial numbers
Work with licensed electricians or service technicians to get written diagnostics and cause-of-loss reports
Review your policy for sublimits, exclusions, and the definitions of covered “electrical damage”
Request documentation from your utility provider, or storm tracking data, to clarify the surge source
Save all receipts, warranty information, and replacement cost estimates for affected systems
Key Steps We Help You Take After A Power Surge:
Our platform organizes everything into a clean, defensible claim package—linking damage to policy terms and minimizing opportunities for your insurer to reduce or reject payment. We also handle back-and-forth communication with adjusters to ensure your evidence is understood and the claim moves forward without delay.
At Loti, we bridge the gap between technical damage and policy recovery. Power surge losses may seem invisible—but we make sure their financial impact is seen, documented, and properly reimbursed.
FREE RALLYBACKS
Power surges and short circuits can cause significant damage to your home's electrical systems and personal property, including appliances, electronics, and even the structure of your home. Fortunately, many homeowners insurance policies provide coverage for these types of events under specific perils. Understanding how the power surge and short circuiting peril works, what it covers, and the limitations is essential for homeowners who want to ensure they are adequately protected.
This detailed guide will explain what the power surge and short circuiting peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Power Surge and Short Circuit Peril in Your Homeowners Insurance Policy: A Detailed Guide
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