Lightning & Power Surge Claims.
Florida leads the U.S. in lightning. We handle the strikes, the surges, and the secondary damage that follows.
Florida lightning claims have three flavors: direct strike (structural damage), surge damage (electronics and appliances), and secondary impact (fire, water from sprinkler activation, AC failure). Each has its own scoping requirements. We coordinate electricians, contractors, and electronics specialists.
What we see most.
Direct strike causing roof damage and fire
High-value claim with multiple coverage triggers. We coordinate fire, structure, contents, and ALE.
Surge damage to electronics and appliances
TVs, computers, refrigerators, AC units. Often denied on 'must be direct strike' grounds — usually wrong.
AC system failure after thunderstorm
Compressor and control board damage. Tied to surge documentation.
Where we add the most value.
Surge vs. direct strike distinction
Most policies cover surge damage under contents — not direct-strike-only. Insurer denials often misstate the coverage.
Electronics replacement vs. repair
Lightning-damaged electronics are typically not economically repairable. Replacement value is usually owed.
Documenting the lightning event
NOAA lightning data, neighbor accounts, time of failure — all establish causation.
Three steps from damage to settlement.
No paperwork from you. No fee unless we recover money for you.
Tell us about your damage
Free, 60-second claim review. Snap a photo, share what happened — we'll take it from there.
We document everything they missed
A licensed adjuster inspects your property in person and builds an itemized claim — with photos, code references, and contractor estimates.
We negotiate. You only pay if we win
We handle all back-and-forth with the insurer. You only pay a percentage of additional money we recover — never out of pocket.
About lightning & power surge claims.
They were offered less. Then they called us.
“Our insurance offered $11,000 for hurricane damage. Munra came out, documented everything, and we settled at $58,400. They handled every call so I didn't have to.”
“I had been fighting with my insurance company for 4 months. Munra took it over and got it settled in 6 weeks. Spanish-speaking team made the process so much easier for my parents.”
“Citizens denied my mold claim — full stop. Munra reopened it, brought in their own engineer, and reversed the denial. We never would have known what to do without them.”
Don't accept less than you're owed.
Free claim review. No obligation. Florida-licensed adjusters standing by 24/7 during storm season.
No recovery, no fee · Bilingual team · Available 24/7 in storm season