After analyzing homeowners’ insurance data, the Insurance Information Institute (I.I.I.) determined that the cost of homeowners’ claims for damages stemming from lightning strikes has increased by 28 percent over the last four years. The non-profit agency found there were more than 177,000 lightning claims in 2007, causing nearly $1 billion in insured losses. The I.I.I. puts the current average lightening-related claim at $5,321, a leap from the 2006 average of $3,446, which was based on 256,000 lighting claims causing more than $880 million in insured losses.

In terms of quantity, claims fell by nearly 36 percent. However, the average cost per claim doubled between 2004 and 2007.

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