Lightning Damage Claims

A lightning strike can destroy electrical systems, appliances, HVAC units, roofs, and structural components in an instant. What many homeowners don’t realize is that lightning rarely causes just one obvious failure—it triggers a chain reaction of hidden electrical and mechanical damage that insurance companies often try to downplay.

At Aviva Insurance Adjusters, Inc., we handle lightning and electrical surge claims regularly. We work with electricians, engineers, and diagnostic experts to ensure every component affected by a lightning event is included in your claim.

Let our team document every electrical and structural impact of your lightning loss.

Have You Experienced Lightning or Electrical Surge Damage?

Florida is the lightning capital of the United States. Lightning causes millions of dollars in property damage each year and results in some of the most misunderstood and underpaid claims.

A single lightning strike can cause:

Burned wiring inside walls
Fried appliances and electronics
HVAC motor and capacitor failures
Damaged electrical panels and breakers
Roof impact damage and scorching
Structural burns in the attic
Melted or weakened wiring insulation
Whole-home power surges damaging multiple systems
Insurance companies frequently deny surge-related damages unless the homeowner provides professional evidence.
Before accepting a low settlement or denial, let us review your claim for free.

Why Lightning Damage Is So Extensive

Lightning damage is complex because the visible damage is often minimal, while the internal electrical damage is widespread.

We routinely handle lightning claims involving:

Tripped breakers that won’t reset
Sudden appliance failure
Flickering or dead lighting circuits
HVAC compressor or motor failure
Roofing damage from strike impact
Burn smell inside wall cavities
Damaged GFCI outlets
Smart home system failures

Electrical and HVAC components may fail days or weeks after the strike—insurers often deny these unless properly documented.

Collateral Lightning Damage — What Does It Mean?

Lightning damage often extends beyond the directly affected system. “Collateral” or “incidental” damage refers to the secondary problems created by heat, surge, or structural shock.

Examples of Collateral Lightning Damage

Example 1: Hidden Wiring Damage

A surge overheats wiring hidden in walls, which may not fail immediately but becomes a fire hazard. Replacement of entire circuits may be required.

Example 2: HVAC System Failure

Even if the AC runs after the strike, diagnostic testing often reveals:

Damaged capacitors
Burned control boards
Shorted thermostats
Overheating motors

These parts eventually fail without repair.

Example 3: Roof & Structural Impact

Lightning striking a home can:

Crack rafters
Damage roof decking
Scorch shingles
Burn attic insulation

These must be included in your claim.

Why You Shouldn’t Rely Only on the Insurance Company’s Adjuster

Lightning claims are among the most frequently denied claims because insurers often say:

“There is no proof of lightning.”
“This damage is wear and tear.”
“The appliance failure is unrelated.”

A licensed public adjuster ensures:

Lightning strike verification is obtained
Electrical diagnostics support every repair
HVAC tests reveal hidden failures
Roof and attic damage is documented
All surge-related appliances are included
Collateral damage is not ignored

You deserve the full repair—not a partial settlement.

Get a FREE Lightning Damage Inspection & Consultation

We provide:

Electrical system diagnostics
Surge pattern documentation
Roof and attic inspection
HVAC testing
Full claim preparation and negotiation
Policy limit and coverage review
Electrical system diagnostics
Surge pattern documentation
Roof and attic inspection
HVAC testing
Full claim preparation and negotiation
Policy limit and coverage review

Call us now — 877-351-1933
We’re ready to discuss your claim immediately.

Claim Your Insurance

Lightning claims are complex. Evidence disappears quickly.

Let us protect your claim from the beginning.

Signs of Hidden Lightning Damage

Burn smell near outlets or panels
HVAC running louder than normal
Lights flickering or dimming
Electronics suddenly failing
Breakers repeatedly tripping
Dead electrical outlets
Wi-Fi router or modem failure

If you notice ANY of these, do not dismiss them—lightning damage often develops over time.

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