Lightning and Surge Claims
Scary Story: Lightning and Solar Panels
Combine an item that is known for causing claims leakage with a commonly claimed peril that is rarely the cause of loss and you get the scenario for this Scary…
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7 Myths About Lightning in Claims Guide
Policyholders report lightning as a cause of loss more often than other perils. Before deciding on claims with reported lightning damages, adjusters should know the truth behind seven myths related…
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Power Surge Claims – What All Adjusters Should Know
Power surges – as consumers we all know that it is crucial to protect your computer and entertainment systems from power surges, but how much do you know about what…
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Lightning and Surge eBook
Carriers paid out more than $900 million for lightning claims in 2019, according to the Insurance Information Institute. Electronics are among the equipment susceptible to damages from lightning and surges…
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Outdoor Electronics: Your Guide to Perils, Damages, and Assessments
Claims with electronics and electrically powered specialty items may include outdoor equipment like solar power systems, landscape lighting, lawnmowers, and more. Accurately settling these claims requires an assessment by an…
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Surge and Lightning Damage to Electronics
Surge and lightning are among the top claimed causes of loss to electronics and electrically powered specialty items. The Insurance Information Institute cited almost 61,000 homeowners insurance claims included lightning…
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Benefits of Lightning Verification Reports Guide
Without knowing for sure, policyholders frequently claim lightning or surges have caused property damage. Lightning verification reports can confirm or exclude lightning’s presence at the location during the time of…
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Adjuster FAQ: High Voltage Surge Impacts to Electronics
A high voltage surge can cause failures to almost any electrical device or system that’s plugged into the affected area, from the appliances to the consumer electronics to the wiring…
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Guide to High Voltage Surge Claims with Electronics
Lights are flickering, electronics aren’t powering on, or appliances aren’t working as designed. Policyholders facing these situations may report these as lightning, unknown, or another peril and hope carriers will…
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Whole Home Surge and Lightning Claims Guide
Surge and lightning are the most commonly claimed perils for residential electronics and electrically powered specialty items. When these claims come across your desk, an objective assessment is crucial to…
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Lightning and Surge Impacts in Property Claims Guide
Lightning and surge are the most frequently reported or determined cause of loss for commercial and residential policyholders. Better understand these two perils, what causes them and which types of…
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Voltage Irregularities Could Strike Out Lightning Claims
All too often claims cross your desk stating electrical equipment was struck by lightning. In fact, according to the StrikeCheck 2020 Annual Claims report, lightning was the most frequently claimed…
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Lightning Claim Case Study: Three Needs, One Solution
Claims often include multiple items that need people with specialized knowledge to inspect them. The adjuster for the claim described in this case study sought HVACi’s help to determine if…
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Lightning Report Case Study
Property and Casualty Insurance carriers continue to seek processes that make handling claims more efficient, consistent, and accurate, which will decrease the likelihood of claims leakage. One method is by…
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How Surge Protection Can Decrease Losses – But Why It Won’t Eliminate Them
High voltage surges affected half the electronics included in claims that adjusters assigned StrikeCheck to evaluate last year, as shown in the CCG IQ 2021 Annual Report. Policyholders and adjusters…
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Surge and Lightning Claims Webinar Recording
Difficulty deciphering between lightning, high voltage surge, and wear and tear? You’re not alone. Lightning was the most frequently claimed cause of loss for electrical equipment assigned to StrikeCheck in…
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Lightning and Surge Claim Case Study: Number of Items Grows
Lightning is one of the most reported perils, particularly for electronics. And unlike some other causes of loss, lightning and surges can impact a variety of items – though it…
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How to Keep Common Lightning, Surge Damages Out of Claims
The following article on “How to keep common lightning, surge damages out of claims,” written by Jay Dykstra of HVACi and StrikeCheck, was originally published on Property Casualty 360. Electrically powered equipment is…
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How to Handle Lightning and Surge Claims Without Guesswork Webinar Recording
Lightning is one of the most frequently reported causes of loss listed on HVAC and electronics claims – policyholders reported it for almost 20% of HVAC systems and nearly 40%…
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Lightning Claim Case Study
Lightning can damage multiple items in a home all at once. It’s a good thing the adjuster for this claim didn’t take the contractor’s word for all the items listed…
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The 5 W’s of Lightning Claims for Adjusters Guide
Adjusters must solve the 5 W’s – Who, What, When, Where, and Why – before settling any property claim, and lightning claims are no exception. Fill out the form to…
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How Lightning’s Location and Intensity Can Impact Your Claims
In 2019, 62% of claims assigned to StrikeCheck had lightning as the stated peril, making it the most frequently claimed cause of loss, according to the 2020 StrikeCheck Annual Claims…
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High vs. Low Voltage Equipment and Why It Matters in Claims
Appliances represented nearly half of all equipment that adjusters assigned StrikeCheck to evaluate last year, beating out consumer electronics as the items most frequently included in claims. Damages to each…
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