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Does a standard homeowners policy in the U.S. only cover loss suffered from perils only?
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karl d | Does home insurance cover lightning to chimney.? |
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dewcoons
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Depends on whether you had the included in the policy. Check with your insurance agent for that information. |
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sam p
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ya i think so ........... |
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SG Elite
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Usually for natural disaster such as lightning, it may not be covered. However, it's best you consult the insurance company. If it's not in he clause you can request that it be included and pay alittle more on the premiums to give you ease of mind. |
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Sophia
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Yes,
In insurance speak lightning is one of the 'fire perils' - fire, lightning, earthquake and explosion are all covered in a home insurance policy as well as a commercial policy - they are the basic things covered by all property policies!
Hope this helps,
Sophia, the Insurance broker |
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deadgirl2020
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Yes, it would be subject to your deductible & be covered under all other perils. |
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Gambit
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Every policy that covers for fire also covers lightning as well. Damage to electrical equipment by lightning may not be covered however, but this isn't a concern in your case as we are dealing with damage to the structure. The trick is to prove it was lightning that caused the damage. Most materials that chimneys are made of are very poor conductors of electricity (they need to contain the heat). Trees explode when hit by lightning as the sap, which is a poor conductor of electricity, will heat up explosively into steam. Chimneys do not have the same defect (unless the chimney was just built and the mortar did not have time to set). What was the general condition of the chimney? If the chimney was falling apart to begin with, the amount payable will be significantly reduced. Adjusters are critical when investigating all claims as this is their job. Therefore you should be prepared to fully back up your claim with an independent expert's opinion. Remember the onus is on you to prove that the claim was caused by an insured peril. Some claims are obvious and do not require much proof as to what peril caused the damage i.e. fire. Lightning damage to electrical equipment is pretty obvious as well. Your case may prove a little more difficult as it seems a little unusual.
However at this point the best thing to do is submit the claim to your insurer and see what they say. |
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OneManWrites
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I'm really not trying to be rude here but I don't understand some of the answers I continually see posted on this forum.
If I quote an answer, as written, I don't suppose there can really be a complaint. Let's see, we have such ideas expressed as "you can tailor your insurance to cover whatever you want" and "usually for natural disaster such as lightning, it may not be covered" and "lightning is usually covered under a standard HO3 policy...".
There were others in there with similar indications of ignorance. Note: Ignorance is NOT a slight - it is simply the absence of knowledge. I don't know anything about cooking. Therefore, I don't answer the questions in the cooking categories. I am, in fact, ignorant of cooking techniques. I do know about eating but that lends to me no credibility whatsoever on cooking. This is my ignorance.
***
As to your question - EVERY policy written for homes covers lightning. Period. There is no "usually", there is no "if you asked for this" or "set it up that way". They all cover lightning.
Concerning covered perils there are two types of policies on property. Named perils policies name all those perils (such as lightning) which are covered. All named perils policies name lightning as a peril that is covered. Second, there are policies that are termed "special forms". These forms provide the broadest coverage you can buy. They cover every cause of loss except that which is specifically excluded in the policy. No special form excludes lightning.
So. Home insurance does cover lightning strikes. A chimney is part of the structure of the house, Coverage A on the policy, and is therefore covered. Period. No maybes. No qualifiers.
A simple "yes" ought to suffice to answer this question but somehow it seems that little word, "yes", would be drowned out by all the "maybes". There is no maybe. YES. It's covered. |
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Queen B
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if you are on a HO3 or HE7 policy, then yes its a covered peril |
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Fordman
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Call your insurance agent and they will want to get an adjuster out to the house and look at the damage. You may need 3 estimates and then you have the deductible.
Sorry to hear about your loss, at least no one was injured with the lightning. |
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Faye H
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Lightening is covered under a standard HO3 policy but get your policy out and read what is covered and what is excluded.
Or call your agent and ask. |
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Nate W
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A Homeowner's Policy or HO policy covers all perils unless specified.
Dwelling policies only cover perils named in the policy.
Check your policy to see which you have. I haven't even seen a residential dwelling policy in yrs. So I'm pretty sure that you're fine and it will be covered. |
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lunatic
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You can tailor your insurance to cover whatever you want. If you have an existing policy, pull it out and read it or call your agent. |
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