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Lightning Damage Insurance Claims in Florida

Lightning damage hides in the wiring, the roof, and the appliances — and that’s where claims get shorted

A lightning strike rarely leaves an obvious hole. The real damage runs through your home’s wiring, HVAC, roof, and electronics — often invisible until something fails weeks later. Insurers lean on that: they pay for the one obvious item and call the rest unrelated or pre-existing. How the strike’s full reach is documented is what decides whether you’re made whole or handed a fraction, and most homeowners have no idea how much is being left off. That is exactly the gap we close.

And it costs you nothing out of pocket. A licensed public adjuster handles your lightning damage claim on contingency — we’re paid a percentage only if we recover for you. No recovery, no fee. Whether you’re about to file or you’ve already been paid too little, the most valuable move you can make is to talk to us before you settle anything with your insurer.
Call (352) 353-4556 — Free Lightning Damage Claim ReviewGet My Free Claim Review

“PUBLIC LOSS ADJUSTERS CAN NEGOTIATE A PAYOUT THAT IS 20% TO 60% HIGHER THAN YOU CAN GET ON YOUR OWN.”

Lightning can be unpredictable and make your life very difficult. Dealing with your insurance company can be complicated, frustrating and confusing. Their claims adjuster may deny your claim.

Public Loss Adjusters can help you! We will document your loss and create a detailed estimate in a language that the insurance company understands. We use facts, figures and your own policy language to aggressively advocate on your behalf for a higher claim payment.

⏰ Underpaid on a past lightning damage claim? Florida law may still give you a window.

If a Florida insurer closed or underpaid a lightning damage claim, Fla. Stat. 627.70132 generally gives you a running window to act — but the clock runs from your date of loss, not the day you discover the shortfall. In most cases that means you may have less time than you think.

Reopen a closed claimgenerally within 1 year of the date of loss — for additional costs on damage that was already disclosed.
File a supplemental claimgenerally within 18 months of the date of loss — for additional damage from the same event the insurer already adjusted.

Your policy’s own notice terms can be shorter, and every claim is different. Whether your window is still open — and acting before it closes — is exactly what we handle. Call (352) 353-4556 and we’ll tell you where you stand.

Is My Window Still Open? — Call (352) 353-4556

General information about Florida claim deadlines, not legal advice. Statutory windows can vary by claim and policy, and your policy’s prompt-notice terms may be shorter — contact us to confirm your specific deadline.

Talk to us before you settle your lightning damage claim

We inspect the full loss, document what the carrier’s scope leaves out, and negotiate for the payout your policy actually owes — so you’re not fighting the insurance company alone.

● In the insurance industry since 1991 · Licensed Public Adjuster (Lic. #A161638) · Senior Professional Public Adjuster (SPPA), Associate in Claims (AIC, AIC-M)★ 4.8 · 10 Google reviews● We work for YOU, not the insurer● We only get paid when you do

No cost. No obligation. We only get paid when you do. Public Loss Adjusters, LLC · Lic. #A161638 · (352) 353-4556

Related: insurance claim denied · public adjuster near me · fire damage claims · talk to a licensed public adjuster

Lightning Damage claim? 📞 Call (352) 353-4556