Lightning Strike

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.

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.

This is why,as I've stated several times,you should unplug your equipment during lightening storms.Mother Nature is a bitch and she will fry your electronics.Now the insurance war begins.Good luck and sorry for your loss.

Giglr, were the componenets on when the strike occurred? I had it happen once during the 80s and only components that were on suffered damage. Basically the pre-amp and tape player suffered damage. Everything that was off was ok and the TT and power amp were ok. I never got those two damaged pieces completely straightened out. They both still worked but the pre-amp would drop out a channel occasionally that would only be fixed by touching the rca inputs on the rear and the Teac tape player lost it's ability to retain tape calibration memory. The channel drop out was annoying. I eventually went mostly to CDs and didn't use the tape player but after sending both the pre-amp (and tape deck) in for repairs a few times, I bought another pre-amp of the same kind of ebay.
For the last 15 years I've lived in neighborhoods with the power lines underground and haven't really seen any power-surge issues. I'll unplug sometimes but mostly I just turn off the equipment when I see lightning.
I never tried going the insurance route with the damaged pieces but in retrospect I would have gone ahead and got rid of them and started new. The aggravation wasn't worth it attempting to get them repaired.

Nothing was on at the time of the strike, except maybe the ac. It cooked it too.