This guide was updated on January 27, 2026, to reflect current insurance claim standards and storm data for Ireland.
Expert Help With Lightning Damage Insurance Claims
As nationwide insurance loss assessors, we see more lightning damage insurance claims every year. Storm activity in Ireland is increasing. Consequently, homeowners face more risks from electrical strikes and power surges.
In the last month alone, our team managed several thunder and lightning insurance claims in Galway, Dublin, Limerick, and Cork. We also provide expert assistance in Mayo, Tipperary, and Sligo, where property damage from storms is common.
Immediate Steps After a Lightning Strike
If lightning hits your property, safety is your first priority. Once the building is safe, call our loss assessors at 0818 929 555. We will report your insurance claim immediately. Our goal is to ensure you receive the maximum payout from your insurance company.
Direct strikes often cause lightning strike fire damage. However, even a nearby strike can trigger a massive power surge. This surge destroys electrical equipment and wiring throughout the home.
Understanding Lightning Strike Statistics
According to Met Éireann, lightning strikes are becoming more intense. A typical lightning strike contains roughly 1 billion volts. When this energy enters a home, it causes extensive, often hidden, damage.
Most homeowners ask: “Does homeowners insurance cover lightning damage?” While the answer is generally yes, the burden of proof rests on you. You must prove the extent of the damage to your insurer’s representative, the loss adjuster.
How Our Loss Assessors Manage Your Lightning Damage Claim
Our “No Win, No Fee” team takes the stress out of the process. We gather all necessary evidence to support your claim. First, we connect you with a local registered electrician. This professional will assess the damage and provide a specialist electrical report.
Next, we compile a comprehensive “scope of works.” This document includes costings and photographs of all damaged equipment. We then meet the insurance company’s loss adjuster on-site. We ensure they see the full extent of the damage, including issues that are not immediately obvious.
Common Types of Damage in Lightning Insurance Claims
Lightning does more than just “fry” appliances. It can also:
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Blow holes in roofs and destroy chimneys.
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Damage foundations and underground pipes.
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Cause internal electrical fires.
If your chimney has cracks, you may need a chimney crack repair specialist. We provide CCTV inspections of chimney flue liners to check for internal structural failure. If you need a quote for repair costs, call our network of specialists at 0818 929 555.
Seasonal Risks and Surge Protection
Electrical storms occur most often during the summer. This is due to increased heat and the presence of cumulonimbus clouds. These clouds are the primary source of lightning strikes in Ireland.
We always advise homeowners to invest in a high-quality surge protector. This equipment protects computers and sensitive electronics from sudden voltage spikes. If you suffer damage and do not have a protector, start taking notes immediately. Keep all receipts and take photos of the damaged items. This evidence helps us validate your insurance claim.
Contact Our Nationwide Team
We provide expert insurance advice in Galway, Dublin, Limerick, Mayo, Sligo, Clare and Cork. Don’t settle for less than your full entitlement.
Frequently Asked Questions About Lightning Damage
How do I prove lightning damaged my electrical items?
To prove a claim, you need a specialist report from a registered electrician. We arrange this for you. Our assessors also document the age and value of the items. We ensure the insurance company sees clear evidence of the power surge.
Does insurance cover a chimney hit by lightning?
Yes, most policies cover structural damage to chimneys. However, insurers often argue that the damage is due to “wear and tear.” We use CCTV inspections to prove the damage is recent and strike-related. This helps secure the funds for your chimney crack repair costs.
Should I throw away damaged appliances?
No. Never dispose of damaged equipment until the loss adjuster inspects it. We recommend moving the items to a safe place like a garage. Keeping the physical evidence is vital for a successful lightning damage insurance claim.
What is the “No Win, No Fee” policy?
Our “No Win, No Fee” service means you pay us nothing upfront. We only charge a fee if we successfully negotiate a settlement for you. This allows you to get expert representation in Galway, Dublin, or Limerick without any financial risk.
Contact our insurance assessors today at 0818 929 555 for a free consultation.