What may be affected
- Building materials and finishes
- Adjoining areas and concealed components
- Contents, systems, and personal property
- Temporary protective work
Nevada · Lightning & Electrical Damage Claims
A lightning claim may begin where there is no burn mark.
A direct strike or electrical surge can affect systems and equipment across a property. M&T helps policyholders organize the event timeline, damaged items, diagnostics, and related building evidence.
Understand the loss
The facts and the damage path matter.
Trace the event from visible strike evidence to electrical, mechanical, appliance, and electronic effects.
The source, timing, affected areas, and emergency-protection records help explain the facts without making coverage assumptions.
What to document
- Wide and close photographs before cleanup or removal
- Dates, conditions, and the damage path
- Receipts, estimates, measurements, and communications
- Removed materials and temporary protection
General information for policyholders. The policy, facts, and applicable evaluation control coverage and outcome.
Build a safe electrical-loss file
Call emergency services for fire or immediate danger and a qualified electrical professional for suspected electrical hazards. Do not energize equipment to create proof.
- Write a timeline of the storm, outage, surge, sounds, odors, alarms, and failures.
- Photograph visible conditions without touching energized or damaged components.
- Inventory each failed item with location, brand, model, serial number, and age.
- Keep diagnostics, repair proposals, invoices, and statements about repairability.
- Preserve damaged items for inspection when safe and reasonably possible.
- Save utility, fire-department, weather, and carrier records relevant to the event.
How M&T helps with lightning damage
We connect a clear event timeline to itemized equipment, qualified diagnostics, building effects, and policyholder records.
- Build the timeline
Record the reported strike or surge, outage, immediate symptoms, and later discoveries. - Inventory affected systems
Identify each building component, appliance, electronic item, or business system separately. - Organize diagnostics
Collect qualified findings, model data, repairability information, estimates, and invoices. - Present the supported loss
Submit the documented claim and address requests through our licensed role.
Lightning-claim questions
Do I need a visible strike mark?
Not necessarily, but each claimed failure still needs factual support. Timing, physical observations, and qualified diagnostics can be important.
Should I turn equipment back on to test it?
Not if there may be an electrical hazard. Follow the instructions of a qualified professional.
What should a diagnostic report include?
Ideally it identifies the item, observed failure, testing performed, repairability, and recommended action. The professional—not M&T—makes the technical conclusion.
Can data loss be documented?
Document the affected device, business use, backup status, professional findings, and recovery costs. Coverage depends on the policy and facts.
Consumer references
Serving Nevada statewide
Licensed representation for the policyholder.
M&T works for the policyholder within its licensed public-adjuster role. Coverage and payment depend on the policy, facts, documentation, and claim process.
Jose Theodoro Nunes Weber · License 3970436
Statewide response
Start with the facts of your claim.
Phone and email are required so we can respond.
General information, not legal advice or a promise of coverage, outcome, or payment. Every claim is different.
