HVAC Lightning Damage

Determining if lightning was the true cause of loss to your insured’s HVAC unit can be a complicated task, particularly when lightning is one of the most frequently claimed perils. According to HVACi’s Annual Claims Report, last year Lightning was the most frequently claimed peril for residential assignments, although the actual cause of loss was commonly found to be High Voltage Surge or Wear & Tear. Lightning damage symptoms are often erroneously confused with other peril’s symptoms, making these types of claims particularly challenging to tackle. Our HVAC Lightning Damage Guide will assist you in determining if your insured’s HVAC equipment was truly damaged by lightning by highlighting visual evidence that commonly points to lightning damage and outlining the most common cause of loss characteristics between Lightning, Surge, and Wear & Tear damages. 

For an even deeper dive into identifying Lightning damage to HVAC systems from other perils, check out our blog.

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