Florida Injury Blog

Lightning Insurance Claims in Florida among Highest in Nation

The Perazzo Law Firm 

The Insurance Information Institute (III) recently released data showing that Florida had the highest number of lightning-related insurance claims in the United States last year. Over 62,000 policyholders in the US received more than $950 million in homeowners insurance claims due to lightning damage. While Florida had the highest claim count, the average cost of each claim was lower compared to other states. A spokesperson for the III, explained that although Florida had claims totaling $77.3 million, California had higher claim costs at $125 million. This can be attributed to the higher cost of rebuilding in California, as well as the severity of damage caused by lightning-induced wildfires in recent years.

The III compiled this national insurance claims data as part of Lightning Safety Awareness Week, which took place from June 18 to June 24. The goal of this initiative was to raise awareness about the risks lightning poses to life and property and to highlight efforts made by insurers and policyholders to mitigate these risks.

Overall, there was a 2.2 percent increase in lightning-related homeowners insurance claims between 2021 and 2022 in the United States. The spokesperson mentioned that some scientific reports suggest a correlation between rising temperatures and an increase in lightning strikes. Additionally, hurricanes and snowstorms may also contribute to heightened lightning activity.

In terms of the cost of lightning damage claims, the average claim in Florida was $14,562 in 2022, a decrease of $1,990 compared to 2021. Georgia ranked second with an average claim cost of $12,665, followed by Texas at $25,286. Holeman attributed the overall decrease in claim costs to potential changes in weather patterns.

Nationally, the III data revealed a 29% decrease in lightning-related insurance claims costs from $21,578 in 2021 to $15,280 in 2022.

Damage caused by lightning can include fires, which are typically covered by standard homeowners and business insurance policies. Some insurance policies also provide coverage for power surges resulting from lightning strikes, and comprehensive auto insurance policies can cover lightning damage to vehicles.

Severe convective storms, including lightning-laced thunderstorms, tornadoes, hail, and straight-line winds, are among the most common and damaging natural disasters in the United States. Insurers are increasingly focusing on predicting and preventing losses by promoting resilience and utilizing real-time technology applications, according to the CEO of the III.


A real estate lawyer plays a crucial role in ensuring the smooth and legal transactions related to buying, selling, or leasing properties. These professionals specialize in handling legal matters concerning real estate, offering valuable advice and representation to clients. When dealing with complex property transactions, it is advisable to seek the services of a real estate lawyer to protect your interests and ensure compliance with the law.

In Florida, Perazzo Law Firm offers top-notch real estate legal services, assisting clients in navigating the intricacies of property transactions. Their experienced real estate lawyers have in-depth knowledge of Florida’s real estate laws and regulations, ensuring that clients receive comprehensive guidance tailored to their specific needs.

Here are some key roles a real estate lawyer from Perazzo Law Firm can fulfill for clients:

  • Contract Review and Negotiation: Real estate lawyers thoroughly examine purchase agreements, lease agreements, and other contracts to ensure their clients’ best interests are protected. They help negotiate favorable terms and conditions and advise clients on potential risks or pitfalls.
  • Title Search and Examination: Real estate lawyers conduct a comprehensive title search to verify the property’s legal ownership and identify any liens or encumbrances. This process ensures that clients are purchasing or selling a property with a clear title, free from legal complications.
  • Due Diligence: Real estate transactions involve various legal obligations, including property inspections, environmental assessments, zoning compliance checks, and more. A real estate lawyer assists clients in conducting thorough due diligence to uncover any potential issues that could affect the property’s value or intended use.
  • Closing Process: Real estate lawyers guide clients through the closing process, ensuring that all necessary documents are properly prepared, reviewed, and signed. They oversee the transfer of funds, ensure compliance with legal requirements, and facilitate a smooth closing.
  • Dispute Resolution: In the event of real estate disputes, such as boundary disputes, breach of contract, or property damage claims, a real estate lawyer represents clients’ interests and provides effective legal solutions. They can negotiate settlements or, if necessary, advocate for clients in court.

You may need a real estate lawyer from Perazzo Law Firm in Florida in several situations, including:

  • Purchasing or selling a property: Whether you’re buying or selling residential or commercial property, a real estate lawyer can safeguard your interests throughout the transaction and ensure a legally binding and smooth process.
  • Property development or investment: Real estate lawyers can assist with legal aspects of property development, including zoning and land use issues, permits, and contracts with contractors, architects, or investors.
  • Lease agreements: When entering into lease agreements for commercial or residential properties, a real estate lawyer can help review, negotiate, and draft lease terms that protect your rights and minimize future disputes.
  • Property disputes: If you find yourself involved in a real estate dispute, such as boundary disputes, landlord-tenant conflicts, or construction defects, a real estate lawyer can provide expert advice, represent you in negotiations or litigation, and seek a favorable resolution.

For comprehensive real estate legal services in Florida, Perazzo Law Firm’s real estate lawyers have the knowledge and experience to guide clients through various property transactions and resolve complex legal issues. Contact Perazzo Law Firm today to receive expert assistance and protect your interests in any real estate matter.

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