Lightning Damage Could Now Cost $26K per Claim-What That Means for Your Coverage

Lightning strikes may seem like a rarity, but when they do hit, their damage can be devastating. And they are hitting homeowners’ wallets harder than they used to. U.S. homeowners insurance losses tied to lightning strikes jumped 59% in 2025, totaling an estimated $1.65 billion, according to the Insurance Information Institute. Claims rose nearly 12%
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