re: Need to sue my homeowners insurance, denied lightning strike claim.

quote:

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They claim it was a power surge from an offsite event.

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Even if that is true they are still responsible as your insurance company to pay for your loss. If they feel it was some offsite 3rd party event that caused your loss then they can subrogate it to them to recoup their payout to you, but in any case they are responsible for your loss.

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