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How to Prove Damage is from Lightning to Insurance Companies
Lightning strikes can cause significant damage to homes and businesses, and it’s important to know how to prove to your insurance company that the damage was caused by lightning. Here are a few tips:
Take Photos and Videos
One of the best ways to prove that damage was caused by lightning is to take photos and videos of the damage. Take pictures of the exterior and interior of your home or business, as well as any damaged property. Be sure to take close-up photos of any damage that is particularly severe.
Document the Damage
In addition to taking photos and videos, it’s also important to document the damage in writing. Keep a record of all the damage, including a description of the damage, the date and time of the damage, and the location of the damage.
Contact Your Insurance Company
As soon as possible after the damage occurs, contact your insurance company. Let them know that your home or business has been damaged by lightning, and provide them with the photos, videos, and documentation that you have gathered.
Cooperate with the Insurance Company
Once you have contacted your insurance company, they will likely send an adjuster to inspect the damage. Cooperate with the adjuster, and provide them with any information that they request.
Be Patient
It may take some time for your insurance company to process your claim. Be patient, and continue to cooperate with the adjuster. Eventually, your claim will be processed, and you will receive payment for the damage that was caused by lightning.
Expert Advice
Here are a few additional tips from insurance experts:
- Keep a record of all communication with your insurance company, including phone calls, emails, and letters.
- If you are not satisfied with the way your claim is being handled, you can contact your state’s insurance commissioner.
- You may want to consider hiring a public adjuster to help you with your claim.
Frequently Asked Questions
Here are a few frequently asked questions about proving lightning damage to insurance companies:
Q: What is the best way to prove that damage was caused by lightning?
A: The best way to prove that damage was caused by lightning is to take photos and videos of the damage, document the damage in writing, and contact your insurance company as soon as possible.
Q: What should I do if my insurance company denies my claim?
A: If your insurance company denies your claim, you can contact your state’s insurance commissioner or hire a public adjuster to help you with your claim.
Q: How long does it take for an insurance company to process a lightning damage claim?
A: The time it takes for an insurance company to process a lightning damage claim varies, but it typically takes several weeks or months.
Conclusion
If you have been the victim of lightning damage, it’s important to know how to prove the cause of the damage to your insurance company. By following the tips in this article, you can increase the chances of getting your claim approved.
Are you interested in learning more about lightning damage and how to prove it to your insurance company? Contact us today for more information.
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