of computer — desktop, laptop, netbook
or tablet. Adjusters should make note of
the type of system processor (CPU), including the brand name and model. Intel
two examples of this kind of information.
Claims adjusters should also record the
size of the screen, the amount of RAM
— usually recorded in gigabytes (GB),
and the size and type of hard drive if it
has one. Most netbooks and tablets don’t
carry hard drives. Consulting the product
documentation can be a big help in finding these details.
Additionally, adjusters are advised to
record the type of video card. Common
types include the ATI Radeon and the
to record if any other drives are present
drives, and any networking devices such
as a wireless card or LAN adapter.
Validating the damage
In lightning damage claims, it is important to determine if the loss was, in fact,
caused by lightning instead of being a
simple mechanical breakdown. A direct
strike will leave physical damage, including burn marks where it hit. Electrical
outlets will also be burned where the
surge exited the building.
Items can, however, be damaged by
lightning without physical traces. These
markings should only be used for immediate corroboration. Next, look to see if
more than one item was damaged. Usually multiple items will be affected in a
It will also be helpful to determine
if hazardous weather occurred by talking to neighbors or possibly investing in
a lightning strike report for the area. In
expensive claims, calling in an electrical
engineer to review damaged items may
Lightning safety tips
To stay safe during an electrical storm,
avoid the use of electrical equipment un-
til the storm has subsided. This includes
corded phones, networking cables and
power cords. The rule is if you can hear
thunder, you or the equipment you are op-
erating is at risk of being hit by lightning.
Water, an open conduit for electricity,
is also something to be avoided during
storms. Washing hands, taking a shower,
or washing dishes are all hazardous ac-
tions during a thunderstorm. Additional-
ly, steering clear of windows and exterior
doors is a good idea since lightning can
travel through both.
Knowing these safety tips and the
proper procedure for handling lightning
damage claims can help keep everyone
safe during the summer season.
WHEN SOME THINGS CAN’T WAIT ...
When disaster hits home and families are displaced, basic needs become a
priority. That’s why we have developed the CRDN Immediate Needs Service.
CRDN provides up to two weeks of clothing and other textiles families need to
go to work, to school and continue their lives as normally as possible. We also
securely store these and other textiles until the family can have them delivered.
• Two weeks worth of clothing and comfort items are restored and returned
within 24 hours
• Secure, insured and climate controlled storage
• Local storage provides convenient homeowner access to their belongings
The power of an international Network.
The personalized attention of a local Partner.
One call brings immediate response.
800-963-CRDN (2736) 24-Hour Claim Assignment Line
or visit crdn.com