Lightning strike - lightning damageLightning damage is comparatively rare in Ireland, but it happens a couple of times each year. Lightning strike presents three main hazards to your property:

  • A building struck by lightning can catch fire, smoulder or explode.
  • Power surge caused by lightning, can damage your electronic equipment and telephones incl. TVs, modems, computers  and other even non-electronic devices.
  • The shock wave that lightning creates can easily fracture concrete, brick and stone. Brick and stone chimneys are commonly damaged by lightning. Lightning can even blow out plaster walls, shatter glass and crack foundations,

Lightning Damage facts

  •  The centre of a lightning strike leading edge is 20 times hotter then the
    centre of the sun
  • A typical lightning strike contains 1 billion volts and contains between 10,000 to
    200,000 amps of current
  • The average flash would light a 100 watt light bulb for 3 months
  • Number of lightning strikes a day on planet earth: 8 million
  • Certain damage to property, caused by lightning, may not be immediately obvious

 

Lightning Damage To Property – Insurance Claim Case Study

Lightning damage claim Dublin - damaged roofInsurance Claim Solutions received a call from a distressed client following a violent lightening strike to her family home.

The property is a semi detached 2-storey house located in south Dublin and   suffered extensive damage following a lightening strike.

The lightening had struck and exploded the chimney breast completely; the debris and impact caused extensive damage to the roof covering and left the roof with gaping holes. As the roof is shared with a neighbour, we were instructed to handle both claims through different insurance companies and different loss adjusters.

ICS appointment came following a referral of an old friend of the owner who had previously engaged our services. ICS carried out a full survey within a couple of hours and we found very early into our survey that the damage was more extensive than originally feared.

ICS recommended the appointment of technical specialists to ascertain the full extent of the loss. ICS in conjunction with the policyholder engaged an electrical engineer, chimney expert and structural engineer to assist us in preparation of reports to establish the full quantification of the loss.

The findings

 Lightning damage claim Dublin - damaged roof 2The damage to the roof was so extensive that the entire chimney required replacement along with the entire roof required replacement. The lightening strike had damaged the entire flue liner and following a CCTV survey replacement was required .

The lightening caused damage to the internal electrical wiring even causing the sockets to explode off the wall, the intruder alarm and gas fired boiler suffered extensive damage and required replacement, also the majority of the appliances had been damaged beyond repair.

In our experience, we have found that up to 50% of the damage is not obvious from the outset and only surfaces after further investigation.

ICS’s next role was to use the information gathered to present a claim and to work hard to secure a comprehensive scope of works. Insurers are reluctant to agree to everything and we work hard to ensure that our clients are protected.

ICS compiled and submitted a comprehensive claim. We entered into negotiations with the insurance company loss adjuster and we agreed a favourable settlement. The favourable settlement terms allowed the policyholder to reinstate the property to current regulations and as new.

 

Benefits of employing Insurance Claim Solutions Loss Assessor to manage the claim:

  • No paperwork to fill out- ICS takes care of it
  • Access to our expert specialist partners to provide damage reports to ascertain full extent of works.
  • Full claim management from start to finish from a registered building surveyor and regulated insurance expert.
  • Peace of mind that no damage is left undiscovered
  • Achieve more favourable settlement terms with considerably less stress
  • Expert guidance, support and assistance in all areas of the claim an experienced professional building surveyor. Claims are our core business and we handle 100’s of claims every year.
  • As ICS are owner operated the policyholder receives a 1 to 1 personal service.

Contact Details

Insurance Claim Solutions
Golf Rd, Rush, Co. Dublin

Mobile: 086 357 1713
Phone : 01 870 9210

We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

Google Reviews

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Hilary Jordan
Hilary Jordan
17:38 16 May 22
From my first phone conversation with Trevor I felt very confident that I had chosen the right person to help us negotiate through the minefield that is making a claim through your home insurer. Trevor's colleague Craig visited our home and was very sympathetic to our situation after a burst mains pipe. He explained everything he was doing and then dealt with the loss adjustor from our insurance company reducing our stress. We were kept informed during the entire process and even though we were dealt a bit of a curve ball, Trevor negotiated the best result for us and we can't reccomend ICS enough. It was the best decision we could make. As an add-on we would urge anybody reading this review to look at and review your home insurance and protect yourself against underinsurance. Thank you Trevor & Craig
Helen Halpin
Helen Halpin
22:44 08 Feb 22
I can’t recommend Trevor highly enough. After a house fire in Jan 2022, we had no idea what to do next. Thankfully, Trevor was recommended to us, and despite it being a bank holiday, he called to the house and provided all the reassurance we needed at a difficult time. Trevor is exceptionally professional, took care of all the paperwork, navigated through the tricky process with the Insurance company and kept us updated every step of the way. 5* service.
Jo Crawley
Jo Crawley
12:08 08 Dec 21
Great service from Insurance Claim Solutions would highly recommend. Thanks again
Oliver Mitchell
Oliver Mitchell
10:09 02 Dec 21
Trevor came in after we'd already started the claim and realised it was a much bigger issue than we'd originally thought. He stepped in seamlessly and quickly and took over everything, which made our lives far easier. He kept open communication every step of the way and ensured that the whole process went smoothly for us. Would absolutely recommend Insurance claim solutions to anyone.
Eibhlin Ni Ghabhlain
Eibhlin Ni Ghabhlain
10:37 26 Nov 21
It was such a relief to hand over all details of the insurance claim to Trevor when I had a recent mains leak in my house. He more than lived up to the recommendations I had received about his work, efficient, professional, inspiring confidence that all was being dealt with correctly. Within a remarkably short time he had dealt with all details of claim and I’m very happy with what he achieved for me in terms of a settlement. Can highly recommend him!
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