On May 19, professional boxer, YouTuber, and now actor, Jake Paul, had a tale to tell after his private jet was caught in a thunderstorm with lightning hitting the plane mid-flight. The 27-year-old posted a dramatic video of the incident on Instagram and there he could be seen clearly distraught, comforting his dog while praying to stay safe. In this situation surrounded by friends people realized not only the danger of thunder and lightning which can in some cases even kill and the harm that can be inflicted to the homes, cars, property etc.
Does Homeowners Insurance Cover Lightning Strikes?
Yes, lightning and lightening striking a building or home is usually compensated for by homeowners insurance. From fires in houses, structural collapse and power spikes affecting devices, most standard homeowners insurance policies are likely to cover this risks. It’s important to go over the details of your plan to see what falls under it and what does not since there may be a few limitations.
Will Home Insurance Pay for Lightning Damage?
Generally, if disaster affects your home due to lightning then the home insurance will be useful since it covers for damages such as in a home. If your house is burnt down by this lightning or if appliances such as TVs, washing machines, fridges etc are damaged by power surge, then you can get a claim to recover your losses. It is advisable to take photographical or shoot a video in times of lightning strike and before claiming insurance.
What Insurance Covers Lightning Strikes?
Lightning strikes can be covered by homeowners and more so by the comprehensive car insurance. Homeowners insurance is to house and comprehensive car insurance is to the car. It’s important to have the right type of policy in place, especially if you live in an area that is prone to thunder storms or the like.
Does Car Insurance Cover Lightning Damage?
If you have any question asking, “Does car insurance cover lightning strikes?” the answer is yes depending on the policy you have taken. Two types of car insurance are available: collusive and detailed; damage not related to a collision will be covered by the second option, and therefore, lightning damage will also be covered. If you only have liability or collision coverage you will not be covered for lightning damage.
Is Lightning Covered by Auto Insurance?
In cases when a client has a full car insurance package, one can be sure that strikes are covered. This includes the electrical wiring of your car, the paint work or even a complete write off if the struck is severe. If the policy does not have comprehensive coverage then you will find the auto insurance policy does not offer protection from lightning.
Filing an Insurance Claim for Lightning Damage
If your home or vehicle has been affected by a lightning strike, it’s important to follow these steps:
- Document the damage: Take detailed photos and videos of the damage.
- Contact your insurer: Notify your insurance company promptly to start the claims process.
- Work with an adjuster: An insurance adjuster will evaluate the damage and help determine the appropriate payout.
What is covered under your insurance is something important you need to know especially in times when your property has been struck by lightning. Jake Paul the other day served an important lesson on the destructive power of natural forces and the need for pilots to be prepared for the worst at all times, in the skies as well as on the ground.