When lightning strikes or a sudden power surge hits your home or business, the damage can go far beyond what’s visible. Hidden electrical issues, fried circuits, and damaged electronics are some of the most common — yet often underpaid or denied — claims property owners face. At Willis, Willis & Willis Public Adjusters LLC, we help homeowners, HOAs, and business owners across California, Washington, Oregon, Idaho, Georgia, and Nevada navigate these complex claims to ensure every loss is properly tested, documented, and paid in full.
Understanding Lightning and Power Surge Damage
A lightning strike can deliver millions of volts in a fraction of a second. Even if the lightning doesn’t hit your building directly, the surge can travel through wiring, outlets, and appliances — damaging TVs, computers, HVAC systems, alarm systems, and even solar panels.
Common signs of surge damage include:
- Electronics that won’t power on or reset
- Burnt smells near outlets or appliances
- Flickering lights or tripped breakers
- Partial failure of interconnected systems (e.g., smart home devices)
While some damage is obvious, much of it can be latent — invisible to the eye but detectable through professional surge and electronics testing.
Why Professional Electronics Testing Matters
Insurance companies often undervalue or deny claims for power surge damage because the loss isn’t immediately visible. That’s where independent electronics testing becomes critical.
At Willis Public Adjusters, we coordinate professional inspections with licensed electrical and electronics testing specialists to determine:
- The full scope of affected systems
- Whether components can be repaired or must be replaced
- True replacement cost (including installation and programming)
By providing detailed reports and forensic documentation, we build a stronger case to support your claim — helping you recover faster and more completely.
How Willis Public Adjusters Helps
Our step-by-step claim process ensures no detail is overlooked:
- Free Consultation & Policy Review – We analyze your policy to identify coverage for lightning, surge, and electronics damage.
- On-Site Inspection & Testing Coordination – Our team arranges expert testing for electrical panels, outlets, and electronic devices.
- Claim Documentation & Estimating – We prepare detailed damage estimates and inventories for all affected systems.
- Negotiation & Settlement – We represent you — not the insurance company — ensuring your claim is properly valued.
- Support Through Repairs & Replacement – We guide you through the restoration process until your property is fully operational.
Commonly Affected Systems
After a lightning strike or surge, many systems can be compromised, including:
- Home entertainment systems, computers, and routers
- Smart home automation systems
- Security cameras and alarms
- HVAC and thermostat controls
- Pool and spa equipment
- Solar systems and inverters
If these systems aren’t properly tested, you risk hidden electrical hazards and incomplete claim settlements.
Why Choose Willis, Willis & Willis Public Adjusters
We bring specialized expertise to every claim:
- Licensed & Certified in multiple states (CA #6011615, WA #1258190, ID #3003265320, GA #3718146, NV #4033531)
- Certified Appraiser & Umpire for dispute resolution
- IICRC-certified in property damage assessment and mitigation
- Residential & Commercial Mold Inspectors and Expert Witnesses
- Proven success in maximizing settlements for complex surge and electrical loss claims
FAQs
Q: Will my homeowner’s policy cover power surge damage?
In most cases, yes — but coverage can vary depending on the policy type and cause (lightning vs. utility surge). We review your policy in detail to confirm and optimize coverage.
Q: How long do I have to file a claim for surge or lightning damage?
Deadlines vary by state and insurer. Contact us as soon as possible after the incident to preserve your claim rights.
Q: What if my electronics “seem fine” after a lightning strike?
Even small surges can cause slow, hidden damage. Professional testing ensures your systems are safe and helps you avoid future failures.
Protect Your Property and Maximize Your Claim
Lightning and power surge losses are often underestimated — but with the right documentation and expert advocacy, you can recover the full cost of replacement and restoration.
Call today at 1-833-556-2524 to schedule your free estimate!