The exclusions and covered hazards on your insurance policy generally come down to the cause of damage, rather than what was damaged. So if your Hope Hills, NC home is hit by a car, that’s probably covered no matter where the car hit your home or what sort of damage it did. But flooding will have to be covered by flood insurance.
So what about lightning?
Good news: It’s probably covered.
Different home insurance policies have different exclusions, so you’ll have to check your policy and make sure, and call your agent and ask if you can’t find it listed anywhere. But by and large, you can expect that your home insurance policy does cover lightning damage.
If you’re wondering how much damage lightning can really do, well, lightning heats the surrounding air up to a temperature of about 50,000 degrees Fahrenheit. So to say it can do a lot of damage is an understatement. It’s like launching a flaming cannonball into someone’s home.
50,000 degrees Fahrenheit, by the way, is hotter than the surface of the sun. The good news is that it’s usually raining, so a home struck by lightning might not burn down. But it only takes 50,000 degrees a fraction of a second to do a lot of damage.
If you have any questions or you’re looking to get covered in Hope Hills, NC, get in touch with Cross Creek Insurance. Cross Creek Insurance can get you a good deal on great coverage against everything from lightning and burglary to vandalism and falling trees. Just make sure to read your policy to guarantee your peace of mind.