Event
Date, time, observations and available incident information.
Claims We HandleLightning
Lightning
Connect the event to the equipment.
Lightning may cause fire or damage electrical equipment. Records linking the event and the affected equipment help clarify the loss.
20+ YearsInsurance Claims
Experience
Experience
Multi-StateRepresentation
$50 Million+Recovered
No RecoveryNo Fee
Understand your claim
A failed device needs a documented diagnosis.
A lightning event may involve a building, wiring, appliances or electronics. Keep the event timeline alongside qualified diagnostic findings. The fact that equipment stopped working during a storm does not, by itself, establish the cause.
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See the whole claim
Event. Systems. Diagnosis.
Systems
Affected electrical equipment and professional safety findings.
Diagnosis
What failed, the identified cause and repair or replacement recommendations.
Start here
Your next steps.
- 1
Stay sheltered
Do not go outside to photograph lightning.
- 2
Address immediate hazards
Get emergency help for fire or unsafe electrical conditions.
- 3
List affected equipment
Record symptoms, make, model and serial numbers.
- 4
Obtain written findings
Keep qualified diagnostic reports and estimates with the event record.
A closer look
Build an equipment record.
One row per item makes a technical claim easier to follow.
- Identify
- Make, model, serial number and approximate purchase date.
- Describe
- What worked before and what changed after the event.
- Diagnose
- Technician, inspection date, findings and stated cause.
- Estimate
- Repair option, replacement recommendation and supporting price.
Build a clear record
What should you document?
Event dates and available incident records
Qualified electrical or equipment assessments
Affected electronics, systems, and repair or replacement findings
Protect people first and follow emergency instructions. Coverage, exclusions, deductibles, duties, and deadlines depend on the policy and applicable rules. A loss does not automatically establish coverage.
How UCAG helps
The policy. The damage. The documentation.
UCAG reviews the available policy and claim records, documents the reported loss, and helps policyholders understand disputed scope and payment questions. A review can address a new, denied, underpaid, delayed, or closed claim.
Look up claim terms → · Compare roofing types → · Browse all claims →
Preparedness & prevention
Protect people first when thunder starts.
Plan a safe indoor location and address equipment protection before a storm is underway.
Move into a safe shelter
Use a substantial enclosed building or enclosed metal-topped vehicle. A porch, open garage or picnic shelter is not enough.
Avoid conductive connections
During lightning, avoid plumbing, corded phones and contact with plugged-in equipment. Stay away from exterior windows and doors.
Plan unplugging early
If you choose to disconnect electronics, do it before the storm arrives. Do not handle plugs or cords during a thunderstorm.
Discuss building protection
Ask a qualified professional about an appropriate lightning-protection and surge-protection approach. An ordinary power strip is not protection against a direct strike.
Do not go outdoors during lightning to inspect antennas, equipment or the roof. Stay sheltered until the storm has passed.
Safety guidance & further reading
Straightforward answers
Common questions.
Do I need a visible strike mark?
A qualified investigation should evaluate the available evidence. Do not assume the absence or presence of a visible mark settles every equipment question.
Should I repeatedly test failed equipment?
Avoid operating equipment that may be unsafe. Ask a qualified professional to evaluate it.
Are power surges and lightning identical?
No. A surge can have different causes. Record the diagnosis rather than labeling every electrical failure as lightning.
Further reading: National Weather Service: Lightning safety. State-specific guidance applies in its stated jurisdiction. Your policy and circumstances determine coverage.
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Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012
Free Consultation☎ (405) 856-8008Corporate Mailing Address
3033 NW 178th Street, Suite B-131
Edmond, OK 73012