2. amps-preamps
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Lightning Strike

The tree in the backyard was hit by lightning and smoked most my electronics.
The components that still power up is my concern. The pre-amp has noticeable distortion that you can hear when adjusting the volume or switching between components. What are the chances my insurance company will replace these items even though they still appear to work? I'm worried 2-3 months from now if they stop operating I'll be outta luck getting any claim on them.
giglr
buconero117
2,311 posts
 
File the claim for everything, power up means nothing and a claims adjuster should know that. Otherwise, the adjuster is trying to rip you off. Be sure he understands that you will let him take all the units away. Let the adjuster pay for the 'electronics' disposal fee.
blindjim
3,092 posts
 
Contact them ASAP. ONly a written statement from the service center will be valid most of the time... and it must say it was due to lightening... not a power surge.

Such is my exp. Unless you have some other rider on your insurance coverage concerning power surges.

If the tech says lightening, I'd say you're good to go save for the deductible. Do mention the circumstances to the tech too... a couple times.

Good luck.
raquel
841 posts
 
Add up your damage and make a judgment call about whether to file a claim - claims for lightning strikes can dramatically raise your premiums and it is often cheaper to pay out-of-pocket than to file a claim.
cruz123
586 posts
 
power up means nothing and a claims adjuster should know that. Otherwise, the adjuster is trying to rip you off.

Why? An insurance adjuster isn't an electician or electrical engineer. In any event, most policies cover the cost to repair or replace, whichever is less. You may have to get a statement from a qualified repair facility to prove the pieces are not repairable.
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