Understanding Lightning Damage
Before diving into the claims process, it's essential to have a solid grasp of what lightning is and how it causes damage. This discharge can produce temperatures over 50,000 degrees Fahrenheit, releasing vast energy, and this knowledge serves as a poignant reminder to bear in mind before commencing any form of claim inspection.
Initial Claim Steps and Assessment Preparation
Managing lightning damage claims requires a blend of swift action, careful preparation, and meticulous documentation. This section of the guide aims to provide you with a roadmap for those initial stages that often set the tone for the entire claims process.
On-Site Evaluation
Once you've navigated the initial stages of the claim—making first contact, assembling preliminary documentation, and preparing for the site visit—the next critical phase is the on-site evaluation. This section will guide you through a step-by-step walkthrough of what to expect and how to conduct yourself during this crucial stage of the claims process.
Photographic Documentation
Visual evidence, in the form of photographs and videos, is an indispensable part of any lightning damage claim assessment. This section will guide you through why these visuals are critical, best practices for capturing useful photographs and videos, and strategies for organizing and storing this form of evidence effectively.
Assessing Repair and Replacement Costs
After the on-site evaluation and photographic documentation, the next pivotal phase is assessing the costs involved in repairs and replacements. This chapter will cover the practical steps you can take to arrive at a fair and accurate estimate, including integrating with Xactimate® for floor plans, collaborating with contractors, and acknowledging any special considerations that may apply.
