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Started By
Message
Need to sue my homeowners insurance, denied lightning strike claim.
Posted on 4/12/22 at 9:53 pm
Posted on 4/12/22 at 9:53 pm
Lightning hit a tree in our yard, blew out just about everything in out home. Lights, oven, ice machines, routers, fans, etc. We have arc marks and a dead tree. Neighbor witnessed the lightning strike.
Insurance company is using some lightning mapping service that doesn’t show a nearby strike when our damage occurred.
This is Lafayette area. Estimate 10,000$ damage.
Any recommendations for a local attorney that could represent us in this matter. I’m done trying to deal with the insurance company.
Thanks.
Insurance company is using some lightning mapping service that doesn’t show a nearby strike when our damage occurred.
This is Lafayette area. Estimate 10,000$ damage.
Any recommendations for a local attorney that could represent us in this matter. I’m done trying to deal with the insurance company.
Thanks.
12
Posted on 4/13/22 at 6:10 am to Sonic Boom
Can you try to hire an independent adjustor instead of an attorney?
I dont know your state laws.
I dont know your state laws.
Posted on 4/13/22 at 6:42 am to Sonic Boom
You want to contact an independent adjuster and ask them your best course of action.
Posted on 4/13/22 at 6:51 am to Sonic Boom
You may as well name the company.
Posted on 4/13/22 at 7:43 am to Grassy1
Yeah. Name the insurance company. If it is State Farm, just accept the 10k loss and never use them again.
Posted on 4/13/22 at 7:51 am to meansonny
He wants a public adjuster not a independent adjuster.
Posted on 4/13/22 at 7:53 am to plaric
I've never filed a HO claim in the thirty plus years of paying premiums, so I'd be trashing their arse if they denied a legit claim based on a weather app.
Did they suggest what may have happened other than lightning?
Did they suggest what may have happened other than lightning?
Posted on 4/13/22 at 8:26 am to Sonic Boom
Email me
<—— @gmail.com
<—— @gmail.com
Posted on 4/13/22 at 9:09 am to Grassy1
It’s Progressive. Farm Bureau is my agency. They “tried” to help, but they still denied.
Progressive used some company called Strike Check that has a map of lightning strikes on that day of course there isn’t one on the map near our house. The map is wrong.
Progressive used some company called Strike Check that has a map of lightning strikes on that day of course there isn’t one on the map near our house. The map is wrong.
Posted on 4/13/22 at 9:12 am to Grassy1
They claim it was a power surge from an offsite event.
I live on a dead end street and ours was the only house affected.
I live on a dead end street and ours was the only house affected.
Posted on 4/13/22 at 9:15 am to plaric
quote:
Yeah. Name the insurance company. If it is State Farm, just accept the 10k loss and never use them again.
I've had SF for many years. Never had an issue.
Posted on 4/13/22 at 9:23 am to Sonic Boom
I have nothing to add here other than your username sure as hell fits.
Posted on 4/13/22 at 9:28 am to Sonic Boom
I don't know the correct answer here, and would think attorney is the right way to go because it sounds like you need someone to handle the legal filings and argue verbiage. Adjuster would help you get to a valuation, but sounds like you already have that
My understanding is a public adjuster can review the policy, explain what is covered, and help you get to a total cost. They will do that work on a per hour fee (LA requires them to charge per hour and not a percentage).
Attorney would be able to review your claim, the facts at hand, and handle the filings, legal paperwork, and potential litigation. They charge a percentage of what is recovered; and that percentage goes up if it goes to litigation.
My understanding is a public adjuster can review the policy, explain what is covered, and help you get to a total cost. They will do that work on a per hour fee (LA requires them to charge per hour and not a percentage).
Attorney would be able to review your claim, the facts at hand, and handle the filings, legal paperwork, and potential litigation. They charge a percentage of what is recovered; and that percentage goes up if it goes to litigation.
Posted on 4/13/22 at 9:28 am to Sonic Boom
quote:
They claim it was a power surge from an offsite event.
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.
Posted on 4/13/22 at 9:56 am to Sonic Boom
quote:
They claim it was a power surge from an offsite event.
Wouldn't that still be covered?
Posted on 4/13/22 at 10:00 am to Chucktown_Badger
Our policy has a clause that the event must be on the premises.
Posted on 4/13/22 at 10:05 am to Sonic Boom
quote:
Our policy has a clause that the event must be on the premises.
Of course it does..... Insurance companies are scum. Hire an attorney. I hope you recoup your losses + some.
Posted on 4/13/22 at 10:20 am to JDPndahizzy
The problem I have is who to hire. Need to find a litigation guy who will deal with a small claim like mine.
Posted on 4/13/22 at 11:12 am to Sonic Boom
call the headquarters and ask to talk to escalation dept if you haven't yet. if you bug them enough they usually pay.
Posted on 4/13/22 at 11:28 am to Sonic Boom
quote:
Our policy has a clause that the event must be on the premises.
All of your equipment that was damaged WAS on premises. The “event” was an electrical surge/spike that occurred on your property to equipment that was on premises.
If they are using that clause then lightning wouldn’t be covered anyway since it originated in a cloud off-premises…..see how dumb that argument is?
ETA… no wind claim would ever be valid either bc one could argue that the wind originated off of your property….see how dumb that argument is as well? Their reason for the denial doesn’t pass the smell test.
This post was edited on 4/13/22 at 1:21 pm
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