Quote:
Originally Posted by jrref
Are these cases here in the Villages and fairly recent? If so, we would like to talk to these people to get some insight to help others since all we have seen is the exact opposite. Granted, insurance instantly got the remediation folks out there and gave the homeowner money to relocate and live but the whole experience to rebuild the home seemed to be arduous. I can't believe all six homes destroyed just last year had homeowners who didn't know what they were doing with their insurance but maybe. But I agree, some people are under insured and some don't have replacement value on the personal property, etc, and some want damage like the roof re-done vs repair so I agree you need to read and understand your insurance vs just going with the lowest quote. But yours and your friends experience seem to indicate it was no big deal so in your case why spend any money on a lightning protection system and even any surge protection if the insurance is going to come right in and rebuild your home quickly and with very little effort from the homeowner? It may be a plus since you can get everything new?
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Previously to the Villages living in the middle west for over 50 yrs, I've experienced a home damaged with roof lost to a tornado, severe hail damage, and three instances of multiple electronics/appliances
in damaged by nearby/adjacent lightening strike.
The insurance companies in all cases did everything possible to dispute, drag out, minimize and delay payment. In all case it took months of my time to make things whole again.
So at this point I'll do everything reasonably possible to minimize the risk of ever dealing with an insurance adjuster again.
That includes having an LPS and multiple layers of surge supression on our Florida home that has gas lines on the attic.