Lightning claims topped $800 million last year

Every year the Insurance Information Institute (I.I.I.) and State Farm recognize Lightning Safety Awareness Week (June 18-24) by estimating the toll of lightning claims in the United States, writes the I.I.I. research team. Last year insurers paid out nearly $862 million in lighting claims to more than 100,000 policyholders, a 4.5% increase from 2015.

Damage caused by lightning, such as a fire, is covered by most homeowners insurance policies.

Florida—the state with the most thunderstorms—remained the top state for lighting claims in 2016, with 10,385, followed by Texas (9,098), Georgia (8,037) and Louisiana (5,956).

Homeowners Insurance Claims and Payouts for Lightning Losses, 2007 – 2016

The Lightning Protection Institute (LPI) encourages homeowners to install a lightning protection system in their homes. Per Kimberly Loehr, communications director for LPI: “Lightning protection systems that follow the guidelines of NFPA are designed to protect your home by providing a specified path to harness and safely ground the super-charged current of the lightning bolt.”

To learn more about an LPI-certified lighting protection system, click here or visit lightning.org/find-an-installer.

2 thoughts on “Lightning claims topped $800 million last year”

  1. Many losses that homeowners would not believe are covered by their homeowners insurance are actually covered. It’s always worth a call to your local insurance agent to see if your policy covers a loss you are concerned about.

  2. As an adjuster it seems that the costs of lighting claims is clearly going up. We seem to have a lot more high end electronics these days that are often more susceptible to electrical damage. Doubt we see a decrease anytime in the near future.

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