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Lightning strikes should not be considered a ‘minor’ event. The impact of a power surge will destroy Electrical, Computer, Telephone, CCTV & Security cabling & equipment.

The impact of the strike may also cause severe damage to copper pipework and other water systems. We also regularly see burst plasterwork externally & internally. Ceilings may be compromised.

Concrete finishes and other structural elements may be affected because of the surge earthing through reinforcing bars and embedded metal.

Clearys will assist you with all aspects of claim preparation and investigation of the extent of the damage internally and externally.

Introducing the most suitable Engineers & Trades at this time is critical because of the broad range of work required to repair the building.

Clearys Loss Assessors have dealt with all types of lightning strike claims. We can help you compile, submit and negotiate your claim to a satisfactory settlement. Our aim is to minimise your stress, time lines and maximise your entitlement under your policy.


In the event of Lightning Strike:

  • Get your family to safety, arrange for safe clean alternative accommodation.
  • Call Fire Brigade, and tell them your home was struck by lightning. Do this regardless of whether or not you detect a fire hazard.
  • The fire department will come out to your property and assess the area for damage.
  • Once your home is assessed and found to be safe, you will be able to return inside.
  • Preserve the scene. Do not touch anything.
  • Photograph any evidence carefully.
  • Do not carry out any repairs without instruction, you may prejudice the scene.
  • Call a professional electrician to come out and inspect your home wiring.
  • Contact Clearys Loss Assessors to get professional advice before you claim.

Contact us for help.

Case Study:

A lightning strike can be a very powerful noisy and frightening event.

The wipe out of power to the property may affect all electrical items connected to the house, all copper pipe work and even structural issues. It is therefore impossible to know the extent of damage until power is back, everything is made safe and all electrical items are re-powered one by one.

Our client’s house lost power completely and all local supply was cut off for two days. The house was heated both electrically (under floor) and with an electric air to air heat pump system with heat exchanger.

All the contents of the freezer were thawed out and had to be used immediately or dumped. The house had no heat or other services for the following week. The alarm system was destroyed along with the telephone land-lines and computers which were plugged in at the time.

The violence of the strike broke the joints of the concrete ridged tiles on the roof and dislodged a number if the concrete roof tiles. Water found its way into the house in a number of places following the heavy rainfall during storms in the following days.

This required replacement of plaster board ceilings and redecoration in the areas affected. Before this work could be done the roof had to be stripped and repaired in a number of areas. It took time to source the 20 year old roof tiles and colour and match them.

The weather was too bad to get on the roof for nearly eight weeks after the strike and then the builder was busy on other work. When the builder was on the roof we discovered that the solar panels were also destroyed and leaking into the roof and down into the insulation in the external timber frame walls.

The Loss Adjusters had made offers to settle the claim which were completely inadequate not only for the cost of work but also because the extent of damage was very difficult to establish and prove without detailed investigations.

The electricians carried out resistance testing on all systems in the house. It was then discovered that 3 circuits in the under floor heating system were shorting and therefore destroyed. To repair these circuits would mean stripping out the rooms affected, taking up the 150mm screed, replacing the system and putting it all back again. This was extensive work and very costly.

Over time we also discovered that the storm had caused the failure of external LED lightning it had destroyed circuitry in an electrical Robot Lawnmower. The pumps and power supply to two water pumps on the site were also destroyed. Specialist technicians had to replace control panels in the heating system and the alarm system.

The whole event is a major disruption. The insurers were not in a position to assist with any of the repairs. In all our client had nine different Trades and Specialists involved for Quotations and Repairs. Insurers also sought their own competitive quotations. The whole process took six months to complete.

The final hurdle came when the bank would not cash the insurance company’s cheque because the bank account was in the name of husband and wife but the Insurance Policy is in the name of one person and this ridiculous position took another three weeks to sort out.

The total cost of repair was in excess of €30,000.

A few lessons from this case:
  • Insurers pay for lightning strikes (It is not excluded because of Act of God or the like)
  • The issue is very complicated and time consuming
  • You need an experienced Loss Assessor
  • The Loss Assessors fees should be paid for by the policy because the whole process requires expertise. If client had to get an Architect, Electrical Engineer, Quantity Surveyor and Project Manager fees would have been 20% of the cost at least