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hey there tony smith here again with quinnco.com and today were talking about one of the more common weather related perils to affect florida homeowners and were talking about lightning florida is considered the lightning capital of the u.s with 17 of the top 30 cities nationwide for lightning strikes so the question we commonly get asked is does home insurance in florida cover lightning strikes and the answer is yes in fact lightning related claims have approached nearly 1 billion dollars per year with nearly 77 000 claims filed annually and which state leads the way for the number of lightning claims you guessed it florida nearly 10 percent of all lightning claims happen in florida and nearly 10 percent of all lightning-related claim payouts happen in florida as well if you experience damage to your house as a result of a lightning strike remember your duties after a loss first report the loss to your insurance company directly or to the agent second make reasonable and necessary t