Haun Mena’s lawyers deal with lightning damage insurance claims. If your home or other property has been damaged by lightning, we can help you get your covered insurance benefits.
Start your case with a free case review by calling our office now.
Attorneys for Lightning Damage Insurance Claims in Houston
We are Houston insurance claim lawyers who represent individuals and other entities with claims for lightning damage. When you need your benefits, we can assist with documenting your losses, filing your claim, and pursuing the payments that you deserve.
How we help:
- Determining if your insurance policy covers lightning strikes
- Verifying what occurred and how the damage happened
- Proving the value of your losses through appraisals, estimates, photos, and inspections
- Filing your case
- Responding to the insurance company if they have denied your claim for an invalid reason
- Negotiating your compensation
- Taking your case to court, including trials and appeals
- Working through your claim efficiently
- Pursuing your claim as a whole, looking at all the options
When an insurance company denies your claim, it increases their profits. The Haun Mena lightning damage insurance claim lawyers hold the insurance companies accountable for their promises. We can assist you whether you have a claim in progress or you are wondering what to do next following lightning damage. To see how we can help you call or message us for more information.
Lightning Strikes Cause Insurance Damage
Texas gets more lightning strikes than any other state in the United States. There are 27 million lightning strikes in Texas each year. When adjusted for size, Texas ranks 10th among U.S. states for lightning strikes.
Lightning strikes resulted in $2 billion in insurance claims in 2020 alone, covering more than 71,000 claims nationwide.
In Texas, homeowners filed 4,675 claims relating to lightning damage in 2020. The value of these claims was $78.8 million. (III, Cost of Lightning Claims Soared).
If you are a homeowner or other party who has suffered property damage because of lightning, our insurance claim lawyers may represent you.
Insurance Coverage for Lightning Damage
There are several types of coverage that may apply to lightning damage.
Your insurance policy may cover the structure of your dwelling itself. Whether the lightning directly struck your house or struck a nearby tree, causing it to fall on your house, it may be covered under structural damage.
Sheds and outbuildings may be covered when a lightning strike causes damage.
Loss of use
If you cannot live in your home because of the damage, loss of use benefits can help with interim housing costs.
Personal property damage
Lightning strikes often damage appliances. In addition, damaged furniture, electronics, clothes, and other personal items may be covered through insurance.
It’s always a good idea to talk to a lawyer to make sure you’re getting the full range of benefits included in your policy.
Understanding Lightning Strikes and Home Damage
Lightning is a rapid discharge of energy from the atmosphere. Most lightning strikes happen during storms, channeling down towards the ground.
How does lightning damage a home?
Lightning may damage a home in multiple ways:
- A direct strike causing a fire
- Creation of force that damages the home structurally
- Electrical fire
- A side flash that travels from an object nearby that is struck
- Nearby fire that spreads to the home
- Damage to the ground or structures surrounding the home
Proving a Lightning Strike Insurance Claim
Evidence to prove a lightning strike insurance claim may include:
- Fire and burn marks
- Holes or charring, especially on the roof or on the ground
- Weather information to prove that there was a storm at the time of damage
- Professional inspections of the electrical system and appliances
- Appraisers to value the amount of damages
- Photographs and videos of the damage
As lawyers, we may also provide legal research to address questions of law, relevant case law, and contested procedural issues.
What To Do If Your Insurance Claim for Lightning Strikes Is Denied
If your insurance claim for a lightning strike is denied, there are things you can do to fight for your benefits. You may appeal and file a lawsuit in court. If the insurance company denied your claim in bad faith, you may seek penalties and additional compensation under the Texas bad faith insurance law.
As your lawyer, Haun Mena can evaluate the situation and determine the best path to proceed. We are licensed attorneys, able to file your claim and fully represent your interests in court.
Free Consultations Available With a Lawyer
If your home or commercial property has been damaged by lightning, we invite you to talk to the lightning damage insurance claim lawyers of Haun Mena. It’s our mission to help people get their insurance benefits. It’s our goal for each person we serve to receive the benefits they are due in an efficient manner.
Insurance companies should honor their agreements – as your representative, we work to deliver justice. We are an experienced legal team representing individuals and other entities in insurance benefits claims.