Replacing damaged items after a storm can be very expensive but most home and business owners have purchased insurance policies to help them with the costs. Standard policies provide limited coverages on electronics with a limit per category as long as it is an approved peril such as fire, lightning, wind and hail.

Homeowners can purchase additional coverage called a Home Media Package. It will be considered an endorsement on your current policy and provides a broader coverage for electronic devices. It would cover such things as:
* TVs
* computers
* home theaters
* cameras
* mp3 players
* cell phones
* DVD players

But most of these policies do NOT include smaller electronic items such as:
Gps systems
video games systems

You will need to visit with your insurance representative to find out for sure the list the specific items included in this coverage.

You will also need to purchase this insurance in specific dollar amounts… i.e. $2500, $5000 or $10,000.
In 2014 State Farm reported the following results by state for claims filed due to lightning strikes:
#1 Florida – 10,440
#2 Georgia – 9,805
#3 Texas – 5,622
#4 Louisiana – 5,007

It’s not IF a storm hits but when it hits. Will you be ready, protected and covered. When our home, family or business has been effected by a storm we tend to be emotionally compromised and not always able to make good solid decisions. If you are in a position to have to file an insurance claim let the experienced professionals at messtx.com help put your life back in order. We care about you.

CALL TODAY: 855-445-3404

 ​​RELATED LINKS: ​www.messtx.com
​© 2016 MESSTX.com

A powerful bolt of lightning, even when it appears far away, can enter your home in a split second through electric, phone, or cable lines. Any item that is plugged in is vulnerable to jolting, frying, or damage. However, there are some items in your home or business that are more susceptible to lightning strikes than others.

Non-electronic items are less likely to be affected from distant lightning strikes. However, if your home takes a direct hit and they are plugged in, it is probable that they will be damaged or fried. Non-electronic appliances include items such as:
• toasters
• vacuum cleaners
• lamps
• mixers

Electronic components tend to be bigger ticket and things with a ‘brain’. An electrical surge can easily destroy these items which can include:
• computer and office equipment
• refrigerators
• washers and dryers
• security systems
• phones

The best preparation for a pending lightning storm is unplugging as many electrical items as possible. When this is not feasible, you can enjoy peace of mind by taking the following simple precautions beforehand:
• Ensure all electrical items are plugged into an up-to-date surge protector
• Visit with your insurance agent for guaranteed coverage of electrical appliances under your insurance policy

Large ticket items such as air conditioning/heating units, etc. are hard wired and more difficult to protect. To add an extra layer of safety, a surge protector for your entire home can be installed by a certified electrician at the entrance of electricity.

Lightning follows no rules and is a dangerous game. If your home is hit by a lightning bolt and damages your belongings, you will need to file an insurance claim. The average claim for a lightning strike is $7,400.
Our professional and certified Public Adjusters at messtx.com stand ready and are happy to assist you in the complicated claims process and return your home to order following a lightning strike!

​CALL TODAY: 855-445-3404

 ​​RELATED LINKS: ​www.messtx.com
​© 2016 MESSTX.com