Lightning strike public adjuster
Lightning Strike Insurance Claims
One flash, and the damage runs through every wire in the house.
Looking for a lightning strike public adjuster near you in Chester, Delaware, Montgomery, Berks, Lancaster, or Lehigh County? Carriers pay for the scorch mark and argue about the rest. We prove the strike, trace the power surge through wiring, systems, and electronics, and claim the fire, smoke, and roof damage in full.
Call us 1st before you call your insurance, we handle it all.
The problem with lightning claims
Lightning is covered. Proving what it damaged is the fight.
"That was wear and tear." A furnace board, well pump, or TV that quits after a storm gets blamed on age. Without strike data for your address and an electrician's report, the carrier's explanation wins by default.
The surge goes where you can't see. Lightning travels through power, cable, phone, and well lines. Damaged wiring inside walls, weakened breakers, and failing outlets rarely show up in a quick walkthrough.
Failures show up late. Appliances and control boards often limp along for days or weeks before failing. If the claim is already closed, those losses get left behind.
Strike fires spread hidden. Fires that start in attics and wall cavities spread smoke and water from firefighting well past the burned area, and the first estimate usually stops at what is visibly charred.
Watch
What a lightning strike does to a home.
A strike can damage the roof, start a fire, and fry the electrical systems all at once. Watch this short from Legacy Public Adjusters, then call us before you call your insurance so the full loss is documented from day one.
Watch the lightning strike video on YouTubeWhat we document
A complete scope of your lightning strike loss.
Direct strike damage
Roof decking, shingles, chimney, framing, gutters, and blown-out masonry at the strike point.
Strike fires
Attic and wall-cavity fire, smoke, soot, and water from firefighting throughout the building.
Wiring and panels
Circuits, outlets, breakers, and service panels tested by a licensed electrician.
Electronics and systems
HVAC boards, appliances, well and sump pumps, generators, security, and smart home gear.
Strike evidence
Lightning records for your address and date, scorch marks, and failed-part photos.
Delayed failures
Items that quit days or weeks later, tracked and added before the claim closes.
Code upgrades
Rewiring and panel replacement brought up to current electrical code.
Living costs and income
Additional living expenses, lost rent, and business income during repairs.
Direct strike vs. power surge
Two kinds of lightning damage, one claim.
A direct strike hits the roof, chimney, or a tall tree next to the house. It blows apart masonry, punches through decking, and can start a fire in the attic or walls. That damage is obvious, but the smoke and fire damage claim that follows is often underscoped.
A power surge comes in through utility, cable, or well lines from a strike nearby. Nothing looks burned, but control boards, pumps, and electronics fail. A dead sump pump can also turn into a water damage claim.
Either way, it's lightning. Both are covered under the fire and lightning peril. We document the cause, the path, and every item it touched, so the settlement reflects the whole loss.
How it works
Four steps from strike to settlement.
Step 01
Free claim review
Tell us what the strike damaged. We review your policy at no cost.
Step 02
Prove and scope
Strike data, electrician testing, and a full line-item scope of loss.
Lightning documentation includes strike records for your address and date, electrician testing, failed-part photos and serial numbers, roof and fire scope, code upgrades, and living costs or lost income.
Step 03
Submit claim and negotiate
We file and submit your claim and handle everything with the carrier.
Step 04
You get paid
Settlement issued on a documented claim. No recovery, no fee.
Not sure your offer is fair?
Talk to a licensed public adjuster. Free review, no obligation.
Why Legacy on a lightning claim
These claims are won on cause and completeness.
The insurance company's adjuster looks at the visible damage and writes the rest off as age. We prove the strike, trace the surge, and keep the claim open for the failures that show up late. We only get paid when you do.
- Lightning strike records pulled for your exact address and date of loss
- Licensed electrician testing of wiring, panels, and circuits behind the walls
- Every failed board, pump, appliance, and device listed with model and serial
- Strike fires scoped for smoke, soot, and firefighting water, not just char
- Electrical code upgrades included when rewiring is required
- Living expenses, lost rent, and business income during repairs
What a lightning claim actually turns on
- Proof of cause
- Strike data and electrician reports defeat the wear and tear argument.
- Hidden wiring damage
- Damage inside walls is only paid if someone tests for it.
- Late failures
- Devices that quit weeks later belong in the same claim.
- ACV vs. replacement cost
- Depreciation holdbacks are only paid if someone claims them.
Licensed Pennsylvania public adjuster #726839. Contingency fee, nothing owed unless you recover.
Where we work
Lightning strike public adjusters in your county.
Summer thunderstorms hit every corner of southeastern Pennsylvania, but what gets damaged differs from farm country to rowhome blocks.
Chester County
Tall trees, open hilltops, and stone farmhouses around Chester Springs, Downingtown, and Kennett Square take direct strikes, and large homes full of wired systems mean surge losses to HVAC boards, well pumps, generators, and home theater gear that carriers like to call wear and tear.
Delaware County
Dense rowhome blocks in Upper Darby, Chester, and Ridley share walls and service lines, so one strike can start an attic fire or send a surge into several homes. We trace the damage unit by unit and claim the electrical and smoke damage the first estimate misses.
Montgomery County
Finished basements, smart home systems, and sump and ejector pumps across Norristown, Lansdale, and the Main Line fail together when a nearby strike surges the lines. We document every fried control board and the water damage that follows a dead pump.
Berks County
Barns, silos, and open farmland across the rural townships draw strikes that start fires and kill livestock waterers, well pumps, and milking equipment. We separate farm structures and equipment from the dwelling so nothing falls under the wrong limit.
Lancaster County
Wooden bank barns, steeples, and tall farm structures across the county are classic strike targets, and fires spread fast in hay storage. We scope the structure, the outbuildings, and the farm property schedule before the carrier sets the number.
Lehigh County
Hillside homes and older converted buildings in Allentown, Whitehall, and Emmaus carry aging wiring that a surge can overload behind the walls. We bring in electricians to test circuits so hidden wiring damage is claimed, not discovered after you settle.
Google reviews
What our clients say
Real feedback from Pennsylvania homeowners and business owners who called Legacy first after a lightning strike or storm loss.
Questions after a lightning strike.
Still have questions? Contact us for a free claim review.
References
Sources we used
- Insurance Information Institute, Facts + Statistics: Lightning
Lightning and power surge losses are among the most expensive homeowners claims, driven by the cost of electronics and wired home systems.
- Insurance Information Institute, Am I Covered?
Fire and lightning are named perils on standard homeowners and commercial property policies.
- Pennsylvania Insurance Department, Public Adjuster Contract
Public adjusters must use a written, department-approved contract and work on a contingency-fee basis.
Information is for general education and may not reflect your specific policy. Read your declarations page and policy form for exact coverage, limits, and exclusions.
Call us before you call your insurance company.
Where we work
Serving Chester, Montgomery, Delaware, Berks, Lancaster and Lehigh counties
See how we handle lightning strike claims in your county.