Types of Lightning Damage in Orlando

Lightning can cause a range of damages, from minor electrical issues to severe structural destruction, including fires. It can also lead to electrical surges that harm appliances, wiring, and electronics. Even without a direct strike, nearby lightning can cause significant damage through ground surges.

Handling Property Damage Claims in Orlando

When dealing with lightning damage claims, several key factors need to be considered:

  • Insurance Policies: Understanding your insurance policy is critical. These policies detail what is covered, the deductibles, exclusions, and coverage limits. Homeowner's insurance in Orlando typically covers lightning damage and its effects. Legal assistance can help you navigate the complexities of these policies. Experienced lightning damage attorneys can explain aspects of your policy and clarify any terms that may be confusing.
  • Proving the Damage: In the event of a lightning strike, demonstrating that lightning caused the damage can be challenging. Providing sufficient evidence, such as professional assessments, weather reports, and expert testimony, is essential. The onus is on the property owner to prove the lightning strike caused the damage.
  • Timeliness of Claims: Florida law mandates filing insurance claims within specific timeframes. Missing these deadlines can result in claim denial. In Orlando, you have four years to file a claim for lightning damage, but insurance companies may require reporting damage within 30 to 60 days.
  • Disputes: Disputes may arise over the extent of the damage, insurance policy interpretations, or the cause of the damage. Lightning damage lawyers in Orlando can negotiate with insurers or pursue legal action if necessary.
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Coverage for Lightning in Homeowner Policies

Homeowner policies in Orlando typically cover the dwelling and any outbuildings, such as garages and sheds. They also include appliances, electronics, and furniture. If you need to vacate your home during repairs, the insurer covers these costs up to 20 percent of the policy's value. Understanding these policies can be complex, and rereading them multiple times can be helpful. It’s essential that you have a thorough understanding of your coverage; otherwise, you may be met with unpleasant surprises during the claim process.

Filing a Lightning Damage Claim in Orlando

Filing a claim involves several steps:


Take photos and videos of the damaged items. Proper documentation is crucial for your claim, and it’s important to be as thorough as possible. You should start taking documentation as soon as possible after the event.

Notify the Insurance Company

Report the damage immediately. Provide your contact information, policy number, and a brief description of the damage.


An adjuster will inspect your property. Be polite and let them do their job without interference. They will compile a report detailing the extent of the damages you’ve suffered.


The insurer will offer a settlement, which includes the deductible. The initial payment will cover immediate repairs, and subsequent payments will cover additional costs. Sometimes, settlements may not fully cover repair costs, making legal review advisable.

Consequences of Filing an Insurance Claim

Filing a claim can impact your insurance premiums and future coverage. The Comprehensive Loss Underwriting Exchange (CLUE) keeps a record of your claims for seven years. Frequent claims can result in higher premiums or policy cancellation. It's essential to calculate repair costs and consider if they exceed your deductible before filing.

How Orlando Lightning Damage Lawyers Can Assist

When filing a lighting damage claim in Orlando, specialized law firm can offer invaluable assistance, including:

  • Insurance Law Expertise: Understanding Florida's insurance laws and interpreting policy language to ensure maximum coverage.
  • Evidence Collection: Assisting in gathering necessary evidence, including hiring experts or restoration specialists.
  • Legal Representation: Handling negotiations with insurance adjusters and litigating disputes if necessary. Our lightning damage attorneys in Orlando have extensive experience dealing with insurance companies. These insurance providers often act in bad faith and attempt to avoid paying out fair settlements. Our attorneys will ensure that you receive the full compensation you’re owed.
  • Preventive Measures Guidance: Advising on steps to reduce future risks, such as installing lightning rods and updating insurance coverage.

At Vargas Gonzalez Baldwin Delombard, we are experts in handling property damage cases due to lightning. Our experienced attorneys provide free case reviews, evaluate damage, and calculate losses. We understand the trauma of property damage and are dedicated to helping you rebuild.

Call us in Orlando or contact us online. For your convenience, you can also reach us in Miami or in Dallas 24 hours a day. We will guide you through the claim process, from the initial consultation to the final settlement.

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