Property loss type
What does a Lightning claim mean on a CLUE report?
A lightning loss on a CLUE report is a weather-event claim for strike or surge damage, one of the basic named perils on every homeowners form.
Lightning in plain English
Lightning struck the home or damaged electronics/appliances via surge.
A classic named peril; weather-event claims are generally weighted less severely than water or liability claims.
CLUE disclosures and carrier feeds vary. Use this as a decoder aid, then verify the entry against your report, insurer records, and claim documents.
What to watch for
Lightning claims on dates with no storms, or one strike recorded as multiple claims.
- Date of loss versus the report and order dates
- Amount paid, especially if the entry shows $0
- Claim status, including inquiry or information-only language
- Property address, vehicle, or policyholder identity
- Duplicate entries for the same event
Evidence that may help
Weather records for the loss date, electrician or repair reports.