Proper documentation is critical for successful insurance claims on electrical storm damage. Before any repairs begin, photograph all visible damage: the service entrance, the panel (inside and outside), any water damage marks, damaged outlets and fixtures, and the surrounding area showing the storm's impact.
Your electrician should provide a detailed written assessment that includes: the specific damage found, the cause of the damage (wind, water intrusion, lightning, fallen debris), which components need repair versus replacement, and the estimated cost of restoration. This documentation becomes supporting evidence for your insurance claim.
Most Florida homeowner's policies cover electrical damage caused by named storms and lightning strikes, but there are common exclusions: damage from flooding (which requires separate flood insurance), damage caused by power surges through utility lines (which some policies exclude unless you can prove lightning as the cause), and pre-existing conditions that the storm exposed but did not cause. Having a professional electrical assessment documenting storm-specific causation strengthens your claim.
Keep all receipts, invoices, and permits related to the repair. Your electrician's permit number and inspection records provide official documentation that the repairs were performed to code — this can be valuable if your insurance company questions the scope or cost of repairs.