Throughout the years many people have jokingly referred to
Florida as the Lightning capital of the world. Well the statistical data is out
and Florida did receive the top honors of the most Lightning claims in 2015.
The state of Florida had a payout of
over $13 million in claims with a total of 156 claims. The cost of an average claim was $11,898.
We at County Insurance Group take great pride in explaining
to our policyholders the danger of being inadequately insured. Lightening
coverage is a covered loss on a typical HO-3 policy. The trick is to be advised
on the necessary precautions that should be taken to avoid extensive damage
such as surge protectors to protect expensive appliances and electronic items
of value. Some policies do provide coverage for power surges that result from a
lightning strike. Of even greater importance is to make sure that the home has
the proper estimated replacement cost. In the event of a lightning strike that
results in a fire, being underinsured could be the difference of either
rebuilding your home exactly the way it was or the inability to do so. Please stop by our office for a policy review
and give us a call
