Lightning damage is easy to underestimate because so much of it is electrical and hidden.
A strike can leave a structure looking untouched while it has fried wiring, electronics, and systems throughout the building — and proving that damage is where the claim is decided.
Your Claim is Our Priority.
Remove lightning Claim Anxiety with UPA
By choosing our non-profit organization, you can trust that your claim won't be minimized, ensuring you receive the compensation you rightfully deserve.
How Lightning Damage Presents
A lightning strike damages a property through direct impact and through the surge it sends through a building’s systems. A direct strike can shatter masonry, splinter framing, and ignite a fire, while the electrical surge travels through wiring, grounding, and connected systems — damaging the electrical panel, HVAC, appliances, security and network equipment, and electronics, sometimes instantly and sometimes as premature failure weeks later. Much of this damage is internal and not visible on inspection.
What UPA Documents
We document a lightning loss across the building’s systems. That means correlating the strike to the damaged wiring, panel, HVAC, and connected equipment, arranging the evaluations needed to confirm surge damage that is not visible, documenting both immediate failures and components compromised for later failure, and capturing any structural or fire damage from a direct strike — so the claim reflects the full electrical and physical reach of the event.
Coverage That Shapes the Claim
Lightning is a covered peril on most property policies, but disputes turn on causation and valuation — whether a failure is attributed to lightning versus wear or an unrelated surge, how electronics and systems are valued and whether the policy pays actual cash value or replacement cost, and whether any equipment-breakdown or specific endorsements apply. Establishing causation is frequently the decisive step.
Why Choose Us?
Lightning claims are underpaid because the damage is hard to see and easy to dispute. Carriers commonly question whether lightning, rather than a power surge or a pre-existing fault, caused the failure, limit the claim to obviously damaged items, deny electronics and systems that fail later as unrelated, and overlook the wiring and panel damage that requires a licensed evaluation to confirm.
Contact Our Non-Profit Public Adjusting Firm
If your lightning claim is being delayed, underpaid, or denied, the difference is almost always in the documentation.
UPA independently inspects and documents the loss and re-presents the claim to pursue the settlement your policy owes. Contact us today to schedule a consultation.