Lightning to blame for $952 million in homeowner claims in 2022

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Claims involving lightning in 2022 resulted in home insurance payouts approaching $1 billion, according to the Insurance Information Institute.

The total value of claims in 2022 attributable to lightning was $952 million, compared to $1.3 billion in 2021, Triple-I said.

“Insurers are moving towards loss prediction and prevention by advocating for resilience in coordination with the real-time application of technology,” said Sean Kevelighan, CEO of Triple-I. “Lightning Safety Awareness Week (June 18-24) highlights the dangers lightning poses to life and property and how insurers and policyholders are reducing those risks.”

There were 62,189 lightning-related claims in 2022, compared to 60,851 in 2021.

Florida had the highest number of lightning-related claims in 2022, with 5,504. California had the highest average cost per claim at $36,319. The national average cost per claim was $15,280.

According to the National Weather Service, Lightning Safety Awareness Week began in 2001 to bring attention to the fact that lightning is an underrated killer. Since the awareness campaign, the number of lightning deaths in the United States has fallen from about 55 per year to less than 30.

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