If you are a homeowner or commercial property owner in Holly Hill, Daytona, or Ormond Beach, there’s a good chance you were affected by the huge lightning storm that hit these areas on Saturday, June 9, 2018.
Summer is the time of the year when lightning can cause severe damage or even destroy your property. This comes as no surprise to property owners in Northwest Florida since Florida is known as the lightning capital of the U.S. The rising heat over the Florida peninsula pulling in the cool air from the water often creates dangerous lightning storms.
Property In Ormond Beach, Daytona, or Holly Hill Affected by Lightning
The following article from the Miami Herald does a great job of describing the dangers lightning storms can cause in Florida, Lightning Season in Florida Proving Deadly. Not only do lightning storms put us and our families in danger of physical harm, lightning strikes can cause fires to buildings and destroy personal and business property. What Noble Public Adjusting Group would like our blog readers to know is that if your home or commercial property in Northwest Florida–including Holly Hill, Ormond Beach, and Daytona–has been affected by the recent lighting storm, you need a public adjuster like us to file your insurance claim. Insurance claims involving lighting strikes can get pretty confusing and if you are not careful, your insurance company will flat out deny your claim. Here is why.
When lightning strikes your Northwest Florida property, causing a fire to burn your home or commercial building, it does not matter that lightning caused the fire. The loss will be treated by your insurance policy as a fire loss and you should have no problem getting your insurance claim paid. However, things can get tricky if you have damage to your property that was the result of lightning but was not caused by fire. For instance, say lightning traveled through your wiring system and destroyed property like your computer, television, or other electrical items.
With no visible fire, the staff adjuster sent by your insurance company to examine your damage may offer you a much smaller settlement than is warranted or completely deny your claim. Even if accepted as damaged by a surge caused by lightning, often your insurance company will try to get away with offering a paltry settlement for minor repairs or replacements of damaged items.
As you can see, when lightning strikes and causes damages to your Northwest Florida home or commercial property, you really need a public adjuster to file and handle your insurance claim. Even if you lost your property to fire as a result of lightning and things should be pretty straightforward, your insurance company may very well try to find a way not to pay your claim or to offer a settlement that is far below what it should be. Your insurance company is not your friend and don’t ever think they are. Insurance companies by their very definition as a business are in it to make money, not to shell it out. Their staff adjusters are trained to look for ways out of paying claims or offering the smallest settlement possible. That is their job.
Call us today and let’s discuss the recent lightning storm or for any other concern you have. Be aware also that Noble offers free insurance policy reviews.
Noble Public Adjusting Group
107 Amar Place Suite 103
Panama City Beach (West End), FL 32413