Will The Blues Bring Lightning?

Is it just me or do you have the blues too?  It has to be Spring, children are playing soccer, baseball, running track, and even flag football.  I've even seen a robin so it must be true.  The Drake Relays have come and gone. 

Spring is here but it has not sprung.

With spring comes your favorite meteorologist telling you about the crazy weather patterns.  The weather drives insurance companies crazy.  Believe it or not, insurance carriers look at weather data and records from years past and try to predict if it will be a profitable month or not.

Since insurance companies and meteorologists can't predict the weather patterns, it’s good thing we can all carry insurance.  Bad weather and the bad news that sometimes comes along with it, can strike at any time.

Late at night you see a flash in the sky and hear the thunderous boom and say to yourself, "Wow, what did that hit?"  You wake up the next morning and head to work.   When you arrive you fire up the coffee pot, start your computer, and turn off the phone recording system for the day.

Houston, We Have a Problem   

Nothing is working...

This is where your morning might get worse. Your agent said the policy you have is an all-risk policy, so you automatically make the assumption you are covered.

In this particular situation you don't know the exact cause of the loss.  You think it was lightning, tell your agent it was lightning, and he says, "Lightning is covered." 

After further investigation of the cause of loss by the insurance company you are informed that you have no coverage.  Lightning did cause a loss but it was not on your premise, it was actually a power surge from an electrical station four blocks away.  And you’re not covered for that.

Uh oh.

As the Spring storms approach, take a few minutes to check up on the wording of your policy when it pertains to lightning and its effects.