In the old days, a lightning claim investigation was a pretty simple process. The adjuster would simply review whatever resources were available and determine if a thunderstorm had passed through the area on the day the loss occurred. If a storm could be verified, the loss claim was validated. Lacking other facts to go on, it’s possible that some validated lightning loss claims could have come from other causes. Today, thanks to weather satellites and the World Wide Web, lightning strikes can be verified with pinpoint accuracy.
Why should this matter to you?
Lightning can strike at a considerable distance from your premises and – through the electrical distribution lines that serve your building – result in a power surge that damages your equipment just as a direct lightning strike would.
Because damage was not caused by a direct lightning strike to your premises, it may not be covered by your property policy. But when you purchase equipment breakdown coverage, you don’t need to worry; the damage caused by lightning, or lightning-related surge, is covered.
Talk to one of your Clark Insurance Group agents about Equipment Breakdown Coverage.