Start Your Florida Lightning Damage Insurance Claims With a Free Consultation Today!
No Upfront Fees · 95% Success Rate
Start Your Florida Lightning Damage Insurance Claims With a Free Consultation Today!
No Upfront Fees · 95% Success Rate
In Florida, lightning can be a force of nature that can change everything in an instant. A single strike can unleash temperatures hotter than the surface of the sun, ignite fires, melt wiring, and send powerful surges rippling through every circuit in your home or business. And once the thunder fades, what’s left behind can be chaotic. But beneath what you can see, there may be hidden damage that spreads through your electrical system, HVAC units, or structural foundation, damage that your insurance company might overlook or undervalue.
That’s where PICC FLA comes in. As Florida’s trusted lightning damage adjusters, we step in to assess the aftermath and also advocate for your full recovery. We inspect your property personally, uncover what others miss, and fight for the fair settlement you’re owed under your policy. Our licensed adjusters handle your claim from start to finish, requiring no upfront fees and following a no-recovery, no-fee policy. From Miami to Palm Beach and across Florida, we represent homeowners and business owners when nature strikes hardest.
Contact us today.
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The consequences of lightning damage can be overwhelming. But beneath the surface, unseen electrical and structural damage could be spreading. Most property insurance companies underestimate or deny these hidden losses, leaving Floridians with partial payments that don’t cover real repair costs.
PICC FLA has more than 30 years of experience in residential and commercial property claims. Our Florida licensed public adjusters will come inspect your property in person, using advanced tools like infrared imaging and moisture detection to identify every affected system. Our goal is to make sure that your home or business is fully restored and your payout reflects the actual value of your loss. Whether you’re in Miami-Dade County, Palm Beach County, or anywhere across Florida’s storm-prone coastal regions, we’re ready to help.
And because our fee ranges from 10–20% of your final settlement (compared to attorneys who charge 40% or more), you get to keep significantly more of your recovery to restore your property.
We’re BBB A+ accredited, members of FAPIA and NAPIA, and Top Home Certified, with a reputation built on integrity, persistence, and five-star results.
Don’t hesitate. Call us today!
When you experience lightning damage, you have three options:
Here’s why the third option can save you thousands:
Lower Fees, Higher Settlement
Attorneys often charge up to 40% of your final settlement. We charge only 10–20%, depending on how complex your case is. That means you keep up to 30% more of your compensation for repair and restoration projects. And if we don’t win your case, you owe us nothing.
On-Site, Expert Damage Assessment
Attorneys rarely do they visit the property themselves. But we do. We visit your property personally, using advanced equipment and applying sophisticated inspection methods to detect all damage, even the hidden kind behind walls or inside HVAC units.
Damage Identification Expertise
Our experienced public adjusting team is highly trained to recognize structural, electrical, and mechanical impact. We understand how lightning’s electrical energy travels through a structure, causing damage not just to visible surfaces but underlying systems like wiring, appliances, plumbing, and HVAC. This technical insight gives us the advantage to prepare accurate repair estimates, link damages directly to covered perils, and maximize your settlement.
Free Inspections & Policy Reviews
Before filing a claim, we evaluate your insurance policy for free to help you understand coverage, exclusions, and replacement cost clauses.
The difference is plain and simple: attorneys understand legal arguments, insurance adjusters protect the company. PICC FLA understands you, your damage, and how to secure the full payout you deserve.
Get in touch today or book your free inspection online.
Call Us Today For A FREE Claim Analysis
Insurance companies often tend to reduce or misinterpret lightning strike and power surge claims. In fact, some common tactics they follow are:
PICC FLA is your partner who knows these tactics and how to counter them. Our team uses photographic evidence, voltage tracing, and electrical diagnostics to prove your damage, link it to the insured event, and prove the full extent of loss.
At PICC FLA, we take the pressure off your shoulders by managing your entire smoke claim from start to finish with expertise and persistence.
Let us help you!
When it comes to power surges and electrical damage exclusions, lightning damage claims often hinge on fine print. Many policies cover direct lightning strikes yet deny coverage for secondary electrical damage unless specifically listed, including:
Here’s how we differentiate. We offer free policy reviews before filing your property insurance claim. We analyze your terms, check replacement cost coverage, and make sure that nothing is overlooked. This is our proactive approach, which can uncover thousands of dollars in recoverable costs that your insurer might otherwise overlook.
Florida is the lightning capital of the U.S., with thousands of strikes each year across Miami, Fort Lauderdale, Broward, Palm Beach, Naples, and Tampa. Our team knows the local climate patterns, building standards, and insurance practices that affect lightning-related claims throughout the state.
Whether your property was struck last week or your claim was underpaid months ago, PICC FLA will reopen your case, identify hidden damages, and stand by your side for the best possible outcome.
Contact us to request more information or schedule a free inspection online.
Yes. Even if your claim case is pending, underpaid, or denied, we can reopen it within Florida’s legal timeframe. Many clients see significant increases once hidden electrical or structural damage is reevaluated.
Most insurance policies in Florida cover direct lightning strikes and resulting power surges that damage wiring, electronics, appliances, HVAC units, plumbing, or the roof. Our team properly documents all related damages to achieve full compensation.
When filing a lightning damage claim, it’s important to have someone on your side who knows the ins and outs of the insurance industry. That’s where our public adjusters come in. We know what needs to be done to receive the maximum settlement possible. We have years of experience dealing with insurance companies, and we won’t stop until you’re fully compensated for your losses.
While evidence like weather data or an electrician’s report can strengthen your case, our adjusters can gather all necessary documentation to verify lightning as the cause of damage.
We Will Help You Get Paid With No Upfront Cost To You!
If You Don’t Get Paid, We Don’t Get Paid!