Lightning is one of the most dangerous and unpredictable weather phenomena. It can strike without warning, causing serious property damage. According to a State Farm report, Texas is the No. 1 state for the cost of lightning claims in 2021. The insurance company has paid up to $7.7 million to customers in Texas for lightning repairs with an average single claim of nearly $16,000. So, if you live in a country prone to thunderstorms, make sure you have adequate coverage. Otherwise, you could be stuck with a huge headache and a huge repair bill.
Being proactive with lightning
Insurance expert Gina Wilkin explained that many homes are struck by lightning every year, causing significant damage that must be repaired. She noted that most standard insurance policies do not cover lightning damage, so it’s important for homeowners to check their policy and see if it’s covered. If not, she recommends getting a rider on their policy for lightning damage coverage. Wilkin also advises people to take precautions to protect their homes from lightning strikes, such as installing a lightning rod or surge protector. By taking these steps, homeowners can help reduce the risk of damage from lightning strikes.
Being aware of the weather is the number one safety tip when it comes to lighting. Lightning can strike up to 15 miles from a developing storm, so even if you don’t see dark clouds, you may still be in danger. If you live in an area where lightning strikes are common, consider installing a lightning rod in your home. This will attract the lightning to the rod rather than your home, which could save your home from damage or even a fire. If you have active lighting around, be sure to unplug all electronic devices as well. Electronics such as televisions, computers, game systems, and appliances are potential hazards in the event of a lightning strike. Investing in surge-protected power strips is a good precaution that gives you peace of mind. With proper preparation, you can protect yourself and your property from the dangers of lightning strikes.
When do you call a lawyer?
A lightning strike can cause a home fire or other physical damage, but it can also cause an electrical surge, which can damage your appliances and electronics. Some safety measures can save you a lot of money and headaches. If you protect your home from lightning, you may not even know it has been hit, but if your defenses are down, you may be looking at a huge repair bill that your insurance might not cover. Insurance policies usually exclude coverage for damage caused by a surge in electrical current, so it is important to take steps to protect your home.
To ensure that you get the maximum amount of compensation after being wrongly denied, you will need the services of an experienced attorney. Insurance law is known to be complex, so your odds of success if you go it alone are pretty low.
Fortunately, lawyers who handle insurance claims claims work on an emergency basis. This means that you only pay for their services after the case is settled. Attorney’s fees will be deducted from the damages you receive. In some cases, the judgment may provide that the insurance company pays attorney’s fees and court costs.
With such high dollar amounts at stake, it’s more accurate to say you can’t afford it Not Hire a bad faith insurance attorney.
If you find yourself in disagreement with your Texas-based insurance company, know that there is help available. Contact The Voss Law Firm, PC today to discuss your case, ask any questions you may have, and find out if you are entitled to bad faith insurance payouts.