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Claim denial on lightning damage


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Posted by T Poston on July 10, 2002 at 23:13:32:

I live in Oklahoma and on 6/4 we had a thunderstorm move through. I noticed my house seemed a little warm but everyone else was fine. Finally on Fri. 6/7 it was getting really hot so I went out to check the central air unit and I could tell my compressor wasn't kicking on. I called a repairman who told me that the compressor was shorted out, most likely by lightning. I immediately called my insurance agent State Farm so they could talk to the repairman if they needed. I was told by the receptionist to take a picture and have the repairman write a letter stating what happened. I was told that a claim would be filed and I could have a new unit installed. The repairman put in the new unit and now state farm refuses to pay. They are saying because only my air conditioning was affected they don't think it was lightning so they've denied my claim. What can I do?


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