{"id":13147,"date":"2026-01-27T05:01:02","date_gmt":"2026-01-27T05:01:02","guid":{"rendered":"https:\/\/youset.ca\/?p=13147"},"modified":"2026-03-16T12:15:36","modified_gmt":"2026-03-16T12:15:36","slug":"what-to-do-if-your-house-gets-struck-by-lightning","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/what-to-do-if-your-house-gets-struck-by-lightning\/","title":{"rendered":"My House Was Struck by Lightning. What Next?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In Canada, more than <\/span><a href=\"https:\/\/www.canada.ca\/en\/environment-climate-change\/services\/lightning\/statistics\/maps.html#number-flashes\"><span style=\"font-weight: 400;\">two million lightning strikes<\/span><\/a> <span style=\"font-weight: 400;\"> hit the ground every year. While the chances of one striking your house are low, it\u2019s not impossible. From fires hidden inside the walls to fried electronics, the aftermath of a lightning strike can be costly and difficult to navigate.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If your house gets struck by lightning, knowing what to do next is just as important as having the <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/how-to-choose-the-right-home-insurance-for-your-first-house\/\"><span style=\"font-weight: 400;\">right home insurance coverage<\/span><\/a><span style=\"font-weight: 400;\">. Here\u2019s a step-by-step guide on what to do in the aftermath of a lightning strike.\u00a0<\/span><\/p>\n\n\n\n\t<section id=\"post-callout-block_f0a8d86ef9f72e52389c9846d2452a9f\" class=\"post-block py-8\">\n\t\t\t\t<div class=\"px-6 py-8 border-l-8 border-indigo-500 rounded-l-lg md:py-11 md:px-12 bg-grayBluish-50\">\n\t\t\t\t\t\t\t<p class=\"mb-6 text-grayBluish-900 h3\">Key takeaways<\/p>\n\t\t\t\t\t\t\t\t\t\t<div class=\"prose body-2 text-grayBluish-900\"><p><span style=\"font-weight: 400\">If your home gets struck by lightning, take these steps:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Call 911 if there\u2019s immediate danger\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Shut off the power (if it&#8217;s safe to do so)<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Inspect your home for visible damage or hazards<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Take photos and videos to document any damage<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Notify your utility company about electrical issues<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Take steps to prevent further damage<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Contact your home (and car) insurance provider, if necessary\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Begin necessary repairs<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Keep all estimates and receipts\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Take preventative measures to protect your home from future strikes <\/span><\/li>\n<\/ul>\n<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\n\n\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-1-call-911-if-there-s-immediate-danger\">Step 1: Call 911 if there\u2019s immediate danger<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you see fire, smell smoke, notice downed power lines, or if anyone is injured, call emergency services right away. Don\u2019t try to put out a fast-moving fire yourself, and stay clear of any fallen wires. Then, when emergency responders arrive, follow their instructions before re-entering your home.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-2-shut-off-the-power-if-it-s-safe-to-do-so\">Step 2: Shut off the power, if it\u2019s safe to do so<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Lightning often causes power surges that can spark fires or damage electronics. Turning off your home\u2019s electricity can prevent further problems, but only if you know how to do so safely. If you\u2019re able to reach the main breaker without stepping in water or touching anything that\u2019s been damaged, switch it off. But if it looks risky, leave it to a professional.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-3-inspect-for-hazards-and-signs-of-lightning-damage\">Step 3: Inspect for hazards and signs of lightning damage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Once the storm has passed and it\u2019s safe to return, inspect both the inside and outside of your home for damage. Lightning doesn\u2019t always leave noticeable scorch marks; sometimes the damage can be hidden inside walls or in the attic, creating the risk of delayed fires.&nbsp;<\/span>\n\n<span style=\"font-weight: 400;\">Some signs of lightning damage to look for include:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Scorch marks on siding or walls<\/li>\n\n\n\n<li>Cracked chimneys or brickwork\u00a0<\/li>\n\n\n\n<li>Holes in the roof<\/li>\n\n\n\n<li>Shattered windows<\/li>\n\n\n\n<li>Melted outlets<\/li>\n\n\n\n<li>Tripped breakers<\/li>\n\n\n\n<li>The smell of burning plastic\u00a0<\/li>\n\n\n\n<li>Electronics that no longer work<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-4-take-photos-and-videos-of-your-findings\">Step 4: Take photos and videos of your findings<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Before moving or cleaning anything, record the damage. Take wide photographs of the overall scene, then close-ups of details like burn marks and scorch marks on the siding or roofing. Don\u2019t forget interior areas like attics and breaker panels.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-5-alert-your-local-utility-company-about-power-issues\">Step 5: Alert your local utility company about power issues<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you smell gas, suspect wiring damage, or see downed power lines nearby, call your electricity or gas provider right away. They may need to cut power to your home or the area to prevent further hazards.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-6-prevent-further-damage\">Step 6: Prevent further damage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Until your insurer gives you the go-ahead for permanent repairs, do what you can to protect your home from further damage. Some temporary measures you can take to avoid worsening the damage include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cover broken windows with tarps or plywood<\/li>\n\n\n\n<li>Use tarps to protect roof openings<\/li>\n\n\n\n<li>Move undamaged items away from wet or damaged areas<\/li>\n\n\n\n<li>Remove standing water if safe (avoid using electronics in water)<\/li>\n\n\n\n<li>Keep receipts for any supplies or emergency repairs<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-7-contact-your-home-insurance-provider\">Step 7: Contact your home insurance provider<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In Canada, lightning damage is usually covered under <\/span><a href=\"https:\/\/youset.ca\/en\/home-insurance-guide\/\"><span style=\"font-weight: 400;\">standard home insurance policies<\/span><\/a><span style=\"font-weight: 400;\">, but the details may vary. Most policies cover structural damage, <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-contents-insurance-in-canada\/\"><span style=\"font-weight: 400;\">personal belongings<\/span><\/a><span style=\"font-weight: 400;\">, and fire damage caused by lightning.<\/span> <span style=\"font-weight: 400;\">However, coverage for power surges, fried electronics, and spoiled food in the refrigerator during power outages depends on your policy and provider.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If your home is uninhabitable, standard home insurance policies also include <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/what-is-additional-living-expenses-coverage\/\"><span style=\"font-weight: 400;\">additional living expenses coverage<\/span><\/a><span style=\"font-weight: 400;\">, which helps cover the costs of temporary housing and meals while your home is being repaired.\u00a0<\/span> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you choose to <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/home-insurance-claims\/\"><span style=\"font-weight: 400;\">file a claim with your insurance company<\/span><\/a><span style=\"font-weight: 400;\">, be ready to provide photos, videos, receipts, and any reports you\u2019ve filed with your utility company.\u00a0<\/span> \u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-8-contact-your-car-insurance-provider-if-necessary\">Step 8: Contact your car insurance provider, if necessary<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If a tree or branch struck by lightning falls on your vehicle, you\u2019ll need to contact your <\/span><a href=\"https:\/\/youset.ca\/en\/car-insurance\/\"><span style=\"font-weight: 400;\">car insurance provider<\/span><\/a><span style=\"font-weight: 400;\">, as this damage won\u2019t be covered under your home insurance policy. <\/span><a href=\"https:\/\/youset.ca\/en\/blog\/comprehensive-car-insurance-in-canada\/\"><span style=\"font-weight: 400;\">Comprehensive auto coverage<\/span><\/a> <span style=\"font-weight: 400;\"> in Canada usually includes lightning damage, but without it, you might not be able to make a claim.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-9-begin-repairs\">Step 9: Begin repairs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Only start permanent repairs after your insurance provider gives you the go-ahead. Depending on the situation, they may send an insurance adjuster to assess the damage first.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-10-save-all-estimates-and-receipts\">Step 10: Save all estimates and receipts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Keep all documents related to your claim, including receipts for emergency purchases, contractor estimates, invoices, and correspondence with your insurer. Take photos of paper receipts and back everything up digitally in case the originals get lost.&nbsp;<\/span>\n\n&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-step-11-take-steps-to-protect-your-home-from-future-strikes\">Step 11: Take steps to protect your home from future strikes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">While you can\u2019t prevent lightning from striking your home, you can take steps to limit the damage it causes. Simple precautions, such as unplugging electronics during storms or using surge protectors, can help protect your most valuable devices. For longer-term protection, consider some more permanent measures, such as:&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mounting a lightning rod on the roof to give lightning a path to travel without damaging your home<\/li>\n\n\n\n<li>Hiring a licensed electrician to install whole-home surge protection at your electrical panel<\/li>\n\n\n\n<li>Investing in a professionally installed grounding system that redirects lightning strikes safely into the ground<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-next-steps\">Next steps<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Lightning striking your home can be scary, unexpected, and expensive to deal with. However, having the right home insurance coverage makes all the difference. A strong policy can cover structural repairs, replace your belongings, and even pay for temporary accommodations.\u00a0<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">At YouSet, we make it easy to compare <\/span><a href=\"https:\/\/youset.ca\/en\/home-insurance\/\"><span style=\"font-weight: 400;\">home insurance policies<\/span><\/a><span style=\"font-weight: 400;\">, so you can find coverage that fits your needs. Taking a few minutes to review your policy today could save you a lot of stress (and money) if the unexpected ever happens. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In Canada, more than two million lightning strikes hit the ground every year. While the chances of one striking your house are low, it\u2019s not impossible. From fires hidden inside the walls to fried electronics, the aftermath of a lightning strike can be costly and difficult to navigate.\u00a0 If your&#8230;<\/p>\n","protected":false},"author":20,"featured_media":13150,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[467,453,463],"tags":[],"class_list":["post-13147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-condo-insurance","category-home-insurance","category-tenant-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>My House Was Struck by Lightning. What Next? - YouSet<\/title>\n<meta name=\"description\" content=\"House struck by lightning? 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