How Do You Assess Lightning Damage to Your Home?

Before entering your home, ensure it is safe. Look for visible fire, smoke damage, or the smell of burning. Check that your main electrical panel has not been tripped or damaged. If you see sparks, exposed wires, or suspect a gas leak, leave immediately and call the utility company from a safe distance.

Once inside, use a flashlight if the power is out. Avoid touching any wet electrical components or standing water near outlets. Listen for unusual sounds like buzzing from your walls or appliances. This initial check helps you identify immediate dangers.

Lightning surges can destroy wiring and electronics. Test your lights, outlets, and major appliances like your refrigerator or HVAC system. If any fail to turn on or behave erratically, the electrical surge may have damaged them. Do not repeatedly try to reset tripped breakers if they immediately trip again, as this indicates a fault.

Have an electrician inspect your home's wiring, electrical panel, and grounding system. They can identify compromised circuits that are not visibly damaged. This step is important because faulty wiring poses a serious fire risk. An electrician can also advise if you need to replace surge protectors or specific appliances.

• Unplug sensitive electronics like computers and televisions.
• Check your home's phone and cable lines for damage.
• Test all ground fault circuit interrupter (GFCI) outlets.
• Look for discolored or warm switch plates on walls.
• Note any burning odors near outlets or the electrical panel.
• Inspect your HVAC system's outdoor unit for physical damage.

Create a detailed record for your insurance claim. Take clear, date-stamped photographs and videos of all damage, both inside and out. Write a list of affected items, including descriptions and serial numbers for electronics. Keep receipts for any temporary repairs you make, like tarping a roof, as these costs may be reimbursable.

Contact your insurance company to start the claims process. Policies vary, and your insurer decides what is covered. Provide your documentation and follow their instructions. They may send an adjuster to inspect. You might need separate assessments from a roofer, electrician, or water damage restoration professional to support your claim.

• Photograph structural holes, char marks, and damaged siding.
• Record model numbers of malfunctioning appliances and electronics.
• Save all correspondence with your insurance company.
• Keep a log of dates and names of people you speak with.
• Store damaged item samples, like a piece of burnt wood.
• Note any temporary repairs made to prevent further damage.