What to Know About Lightning Strikes in Florida

Florida ranks first in the nation for lightning strikes. With over a million strikes each year, storms are a serious risk here. But have you ever wondered what happens if one hits your home?

The Real Risk Isn’t Just Fire

While lightning can cause house fires, most damage is more subtle. Electronics, appliances, and even HVAC systems often get fried by surges. And if you’re not careful, your insurance claim could cost more than it helps.

Will Your Home Insurance Cover It?

Most homeowners insurance policies cover lightning strikes. That includes your personal property like TVs, computers, pool pumps, and more. But your payout depends on your deductible and coverage type.

Before filing a claim, follow these steps:

  • Call a qualified technician
  • Get written proof that lightning caused the damage
  • Request an estimate to repair or replace each item

This documentation helps your insurance adjuster assess the loss faster and more accurately.

Know Your Deductible Before You File

If your deductible is $2,500 and damage totals $800, don’t file a claim. Not only will you pay out-of-pocket, but that claim stays on your record. Future carriers may raise your premium—or deny coverage altogether. Claims should be reserved for major losses, not minor repairs.

Replacement Cost vs. Actual Cash Value

Many policies cover the “garage sale value” of your belongings. This is called Actual Cash Value (ACV). That means your $3,000 TV from five years ago may only be worth $400 now in the eyes of your insurance carrier. Before the next storm, ask your agent about Replacement Cost Coverage. It helps you replace items at today’s market value, not their depreciated worth.

Our Advice? Review Your Coverage

Don’t wait until after a lightning strike to check your policy. At O’Quinn Insurance, we can help you understand what your coverage includes. Our agents can check if you have Replacement Cost on contents, explain your deductible, and how a claim could affect your future.

We’re local, independent, and committed to helping you make smart choices. Contact O’Quinn Insurance today to review your home insurance with a licensed and local agent.

Call us at 386-200-9534 or fill out our Free Quote Form today. Don’t wait for the lightning to strike.

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