Hidden lightning damage assessment delays and insurance claim denials

Property owners in lightning-prone areas like Florida face catastrophic hidden electrical and structural damage that isn't immediately visible after a storm, causing insurance claims to be denied or undervalued because damage isn't documented at the critical moment. Current solutions fail because homeowners lack expertise to identify invisible damage (electrical system degradation, internal wiring damage, surge damage to appliances) before insurance adjusters arrive, and by the time damage manifests, insurers deny claims as pre-existing conditions.