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COURT QUALIFIED ALARM EXPERT AND CERTIFIED FRAUD EXAMINER GETS SCIENTIFIC RESULTS


Lightning Damage Claims
When you have a lightning damage claim to any burglar or fire alarm system you need the Lightning Damage Claims Institute resources, expertise and services.

Getting an accurate assessment of lightning damage to burglar and fire alarm systems can be extremely difficult for insurance professionals.

Without expert knowledge in this specific area, insurance companies often have to rely on the installing alarm dealer, placing them in a vulnerable position while attempting to adjust the claim.

  • Was the equipment actually damaged by lightning or failed for some other reason?

  • How do you know if the claim is legitimately covering only those alarm system components damaged by lightning or power surges?

  • Is the alarm company using this claim as an opportunity to upgrade the system and/or receive additional profits over competitive pricing?

    • For example, a substantial number of alarm systems today are being installed without any installation fee. If lightning damages the master control panel, alarm installation companies have been known to submit estimates of $600 to $1,500 plus…..estimates that far exceed what the insured paid for the complete alarm system!

    As experts, we calculate precisely what the costs should be, while also determining if loss of functionality was actually caused by lightning or some other reason which might not even be covered by insurance at all.

    Another challenging type of claim is lightning damage to a master control panel or other alarm equipment that is no longer being manufactured. Therefore, the alarm company specifies the installation of additional or more expensive equipment. In most cases, new technology equipment is less expensive. Another interesting scenario involves a manufacturer’s lightning damage guarantee or five-year “no questions asked” over-the-counter exchange. In this situation, an unethical alarm company receives replacement alarm equipment at no cost, while the insurance firm is still being charged.

    Some alarm companies, aware of insurance coverage in a lightning damage claim, not only raise their prices dramatically, they also attempt to upgrade the system..

  • Adding protection that was not originally installed

  • Or charging inflated prices for these parts and labor.
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    Expert Resources To Help Evaluate Lightning Damage Claims And Fraud Involving Burglar And Fire Alarm Systems.

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  • We precisely determine actual lightning damage and/or equipment failure

  • We completely analyze and review all documentation related to the insured’s alarm system—whether for residential, commercial or industrial premises.

  • We review all cost quotations in-depth, providing certified and competitive estimates of repair or replacement costs to alarm system components.

  • We follow through with comprehensive written reports and/or expert testimony, depending on the scope of the investigation.

  • Laboratory analysis
    • Click the Button Below to Submit a Claim