In Canada, over two million lightning strikes occur annually. Although the probability of your home being struck is relatively low, it is not impossible. From hidden electrical fires inside walls to severely damaged appliances and electronics, the aftermath of a lightning strike can be costly, stressful, and overwhelming to manage.
If your house is struck by lightning, knowing the correct steps to take is crucial. Acting quickly and safely can reduce further damage and protect both your property and your insurance claim. Below is a clear, step-by-step guide on what to do after a lightning strike in Canada.
Step 1: Call 911 If There Is Immediate Danger
If you notice flames, smell smoke, see downed power lines, or someone is injured, contact emergency services immediately. Do not attempt to extinguish a fast-moving fire on your own. Stay away from fallen wires, as they may still be live and extremely dangerous.
Wait for emergency responders and follow their instructions carefully before re-entering your home.
Step 2: Turn Off the Power — If It Is Safe
Lightning often causes power surges that can spark fires or destroy electronics. Shutting off your home’s electricity may help prevent additional damage, but only do so if it is safe.
If you can access the main breaker panel without coming into contact with water or damaged wiring, turn off the power. If there is any risk involved, wait for professionals to handle it.
Step 3: Inspect for Visible and Hidden Damage
Once the storm has passed and authorities confirm it is safe to return, inspect both the interior and exterior of your home. Lightning damage is not always obvious. In many cases, it may be concealed within walls, ceilings, or the attic, creating a risk of delayed fires.
Common signs of lightning damage include:
- Burn marks on walls or siding
- Damaged chimneys or cracked brickwork
- Holes in the roof
- Broken windows
- Melted electrical outlets
- Tripped or damaged circuit breakers
- The smell of burnt plastic
- Malfunctioning electronics or appliances
Step 4: Document Everything
Before moving items or beginning any cleanup, thoroughly document the damage. Take wide-angle photos of affected areas and close-up images of specific damage, such as burn marks, roof holes, or damaged wiring.
Do not forget interior spaces like the attic, electrical panels, and basement. Proper documentation will be critical when filing your insurance claim.
Step 5: Notify Your Utility Provider
If you smell gas, suspect wiring damage, or notice downed power lines nearby, contact your electricity or gas provider immediately. They may need to disconnect power or gas service to prevent additional hazards.
Step 6: Prevent Further Damage
While waiting for your insurance provider to authorize permanent repairs, take reasonable steps to protect your home from worsening damage.
Temporary protective measures may include:
- Using tarps to cover roof openings
- Boarding up broken windows
- Moving undamaged belongings away from wet or damaged areas
- Safely removing standing water (avoid using electrical equipment in wet conditions)
- Keeping receipts for all emergency supplies and temporary repairs
Step 7: Contact Your Home Insurance Provider
In Canada, lightning damage is typically covered under standard home insurance policies. Coverage often includes structural damage, fire damage caused by lightning, and damage to personal belongings.
However, coverage for power surges, damaged electronics, and spoiled food due to outages may vary depending on your policy and provider.
If your home becomes uninhabitable, many policies also include Additional Living Expenses (ALE) coverage. This can help cover temporary accommodation and meal costs while repairs are underway.
When filing a claim, be prepared to provide photos, videos, receipts, and any reports from your utility company.
Step 8: Contact Your Auto Insurance Provider (If Applicable)
If lightning strikes a tree or branch that then falls onto your vehicle, this damage is handled through your auto insurance policy — not your home insurance.
Comprehensive auto coverage in Canada generally includes lightning-related damage. Without comprehensive coverage, you may not be able to file a claim.
Step 9: Begin Permanent Repairs Only After Approval
Wait for your insurance company’s authorization before starting permanent repairs. In many cases, an insurance adjuster will inspect the property to assess the damage and determine coverage.
Step 10: Keep All Receipts and Records
Maintain detailed records of all expenses related to the incident, including emergency purchases, contractor estimates, invoices, and correspondence with your insurer.
Photograph paper receipts and store digital backups to ensure documentation is not lost.
Step 11: Protect Your Home From Future Lightning Damage
While you cannot prevent lightning from striking, you can reduce potential damage.
Short-term precautions include unplugging electronics during storms and using surge protectors for sensitive devices.
For long-term protection, consider:
- Installing a professionally mounted lightning rod on your roof
- Hiring a certified electrician to install whole-home surge protection at your electrical panel
- Installing a properly grounded system to redirect electrical energy safely into the earth
Conclusion
A lightning strike can be sudden, frightening, and financially disruptive. Acting quickly and following proper safety procedures can protect your family and minimize losses.
Most importantly, having the right home insurance coverage in place can make a significant difference. A comprehensive policy can cover structural repairs, replace damaged belongings, and provide support for temporary housing while your home is restored.
Preparation and awareness are your best defenses — both during the storm and after it passes.