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With proper care and maintenance, and if the injury is not too intense, lightning-struck trees can survive for many years. Some trees have even survived being struck more than once.
Unlike in humans, trees wounded by lightning will not heal. Instead, they attempt to seal the wound off from the healthy parts. This is a natural process and the best thing you can do for your tree, in most cases, is to allow it to happen. Trees do not heal.
If the electricity from a lightning strike is conducted by a home's gutters, windows, concrete floors, and other exterior conductive materials, it can jump to the home's electrical system. A direct hit or one nearby can cause an explosive surge that will destroy the wires.
If you carry comprehensive coverage on your auto policy, you may be covered in the event of a lightning strike, minus the cost of your deductible. Comprehensive coverage protects against non-collision events that are outside of your control like theft, vandalism, and severe weather, including lightning strikes.
Most standard homeowners insurance policies will cover damage to your home caused by lightning strikes. In addition, a homeowners policy usually covers fire damage if the lightning sparks a fire that damages your home. This would be covered under your dwelling coverage.

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Lightning strikes can cause fires inside or outside your home, ruin expensive appliances and electronics, damage wiring in the walls, and potentially shock and injure you or someone in your household. The good news is lightning is covered by almost all homeowners insurance policies.
Although every lightning strike is different, damage to the antenna, electrical system, rear windshield, and tires is common. The heat from a lightning strike is sufficient to partially melt the antenna of a vehicle and can cause what seems like a small explosion of sparks as tiny fragments of metal melt and burn.
To prove that lightning has damaged your home and belongings, you will need to show proof. A hole, char marks, or other damage to the exterior of your home is great proof and should be photographed as soon as it is safe to go outside.
If you carry comprehensive coverage on your auto policy, you may be covered in the event of a lightning strike, minus the cost of your deductible. Comprehensive coverage protects against non-collision events that are outside of your control like theft, vandalism, and severe weather, including lightning strikes.
To prove that lightning has damaged your home and belongings, you will need to show proof. A hole, char marks, or other damage to the exterior of your home is great proof and should be photographed as soon as it is safe to go outside.

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