Lightning strikes are one of nature’s most unpredictable and destructive forces. In a split second, a bolt of lightning can cause extensive damage to your home or business—damaging electrical systems, starting fires, or even compromising your building’s structure. If you’ve experienced this firsthand, you know how overwhelming it can be. But here’s the good news: you don’t have to navigate the aftermath alone.
Before diving into the nitty-gritty of filing a claim, it’s essential to understand what kind of damage lightning can cause. A direct strike can fry your electronics, melt wiring, and even cause fires. Indirect strikes, which travel through utility lines or plumbing, can be just as damaging. And let’s not forget the emotional toll—dealing with insurance companies, repairs, and safety concerns can be exhausting.
This is where LMR Public Adjusters steps in. As South Florida’s premier public adjusters, we advocate for property owners like you to ensure you get the maximum payout from your insurance company. Our dedicated team offers personalized service, guiding you every step of the way.
Whether you’re dealing with residential or commercial property damage, understanding the full scope of lightning-related destruction is the first step in filing a successful claim. So, let’s break it down and get you on the road to recovery.
Before you even think about filing a claim, your number one priority should be safety. Lightning strikes can leave behind hidden dangers—damaged wiring, gas leaks, or structural weaknesses. If you suspect any of these, evacuate the premises and call emergency services immediately.
Once it’s safe, do a quick visual inspection. Are there scorch marks on the walls? Is your power out? Do you smell smoke or gas? These are all signs that the strike may have caused more damage than meets the eye. Don’t try to fix anything yourself—leave that to the professionals.
It’s also a good idea to document everything you see. Take photos and videos of the damage from multiple angles. This will be crucial when it comes time to file your insurance claim. And remember, even if the damage seems minor, it could be more severe beneath the surface.
Need help identifying hidden damage? Our team at LMR Public Adjusters can assist you with a thorough inspection. We’ve helped countless homeowners in areas like Hollywood, FL and Fort Lauderdale uncover damage they didn’t even know existed.
Time is of the essence when it comes to insurance claims. Most policies require you to report damage within a specific timeframe—sometimes as little as 24 to 48 hours. So, once you’ve ensured your safety and documented the damage, pick up the phone and call your insurance provider.
When you speak with them, be clear and concise. Let them know a lightning strike occurred, describe the damage, and mention any immediate repairs you had to make for safety. They’ll likely assign a claims adjuster to your case and may ask you to fill out some paperwork.
Here’s where things can get tricky. Insurance companies are in the business of minimizing payouts. They may try to downplay the extent of the damage or deny parts of your claim. That’s why it’s so important to have someone in your corner—like LMR Public Adjusters. We know the ins and outs of insurance policies and can help you avoid common pitfalls.
We’ve worked with clients across South Florida, from Pembroke Pines to Aventura, ensuring they get the compensation they deserve. Don’t let the insurance company take advantage of your situation—let us help you level the playing field.
Documentation is your best friend when filing a lightning damage claim. The more evidence you have, the stronger your case will be. Start by collecting the photos and videos you took immediately after the strike. Make sure they’re time-stamped if possible.
Next, create a detailed inventory of everything that was damaged. Include electronics, appliances, structural components, and even furniture. For each item, note the make, model, purchase date, and estimated value. If you have receipts or warranty information, even better.
Don’t forget to include any temporary repair costs or emergency services you had to pay for. These are often reimbursable under your policy. Keep all receipts and invoices in a safe place—you’ll need them later.
At LMR Public Adjusters, we help clients organize their documentation in a way that makes it easy for insurance companies to process. We’ve seen firsthand how a well-prepared claim can speed up the approval process and increase the payout.
Need help figuring out what to include? Check out our FAQ page or browse our blog for more tips on documentation and claim preparation.
While your insurance company will send their own adjuster, it’s a smart move to get an independent assessment. Why? Because the insurer’s adjuster works for them—not for you. Their job is to minimize the payout, not to ensure you’re fully compensated.
That’s where we come in. At LMR Public Adjusters, we provide unbiased, professional damage assessments that reflect the true extent of your loss. Our team has years of experience evaluating lightning strike damage, from scorched roofs to fried electrical panels.
We’ve helped clients in Parkland, Miramar, and beyond get accurate assessments that hold up under scrutiny. Our reports are detailed, thorough, and tailored to your specific situation.
Plus, we’ll walk you through every step of the process—explaining what we find, what it means for your claim, and how to move forward. Think of us as your personal insurance advocate, fighting to make sure you get every dollar you’re entitled to.
Now that you’ve gathered your documentation and received a professional assessment, it’s time to file your claim. This is where all your hard work pays off. Submit your claim with all supporting documents, including your inventory list, photos, receipts, and the independent damage report.
Be sure to follow up regularly. Insurance companies are notorious for dragging their feet, so don’t be afraid to check in and ask for updates. Keep a record of all communications—emails, phone calls, letters—just in case you need to reference them later.
If you hit a roadblock or feel like your claim is being unfairly denied or delayed, don’t panic. Reach out to LMR Public Adjusters. We’ve helped clients in Dania Beach and Lake Worth turn denied claims into approved ones with the compensation they deserved.
Filing a claim doesn’t have to be a nightmare. With the right preparation and support, you can navigate the process smoothly and get back to normal life faster than you think.
Once your claim is filed, the insurance company will schedule a visit from their adjuster. This is a critical moment in the process, so it’s important to be prepared. Walk through your property beforehand and make notes of everything you want to point out. Have your documentation ready and be prepared to explain the sequence of events.
Don’t be afraid to ask questions or challenge their findings if something doesn’t seem right. Remember, you’re not obligated to accept their assessment. If you feel like they’re undervaluing your claim, that’s your cue to bring in a public adjuster like LMR Public Adjusters.
We’ll be there to represent your interests, ensuring the adjuster sees the full extent of the damage. We’ve done this for clients in Plantation, Hallandale Beach, and many other South Florida communities.
Think of us as your insurance translator—cutting through the jargon and making sure your voice is heard.
After the adjuster’s visit, you’ll receive a settlement offer. Sometimes it’s fair. Often, it’s not. If the offer doesn’t cover your losses, don’t accept it. You have the right to negotiate—and you should.
This is where having a public adjuster really pays off. At LMR Public Adjusters, we know how to negotiate with insurance companies. We’ve helped clients in Weston and Pinecrest turn lowball offers into full settlements that covered all their expenses.
We’ll handle the back-and-forth, present additional evidence if needed, and fight to get you the compensation you deserve. You’ve already been through enough—let us take it from here.
Dealing with the aftermath of a lightning strike can feel like navigating a storm without a compass. But with the right steps—and the right team—you can weather it. From ensuring safety and documenting damage to filing your claim and negotiating a fair settlement, every step matters.
At LMR Public Adjusters, we’re more than just adjusters—we’re advocates. We’re here to make sure your voice is heard, your damage is recognized, and your claim is maximized. Whether you’re in Hollywood, Pompano Beach, or anywhere in South Florida, we’ve got your back.
Don’t let a lightning strike leave you in the dark. Reach out to us today and let’s get your claim moving in the right direction.
First, ensure everyone is safe and evacuate if necessary. Then, document the damage with photos and videos, and contact your insurance company as soon as possible. Avoid touching damaged electronics or wiring.
Yes, most homeowners insurance policies cover electronics damaged by lightning. Be sure to include detailed information and receipts when filing your claim.
It depends on your insurance policy, but many require you to report damage within 24 to 48 hours. Check your policy or contact your insurer for specifics.
Public adjusters work for you, not the insurance company. They ensure your claim is accurately assessed and help you get the maximum payout possible.
If your claim is denied, don’t give up. Contact LMR Public Adjusters—we specialize in denied or underpaid claims and can help you appeal the decision and fight for what you deserve.
Dania Beach, Broward County, Davie, Weston, Boca Raton, Cooper City, Coral Springs, Deerfield Beach, Fort Lauderdale, Hollywood, Parkland, Pembroke Pines, Pinecrest, Plantation, Pompano Beach, Sunrise, Fisher Island, Miramar, Delray Beach, Hallandale Beach , Lake Worth, Boynton
