Lightning Fire Loss at Sleepaway Camp

Midwestern Sleepaway Camp – Lightning Fire Loss

Total Recovery
$674,77
Initial Insurance Offer
$478,191

In July 2024, a sleepaway camp in Illinois suffered a catastrophic loss when a lightning strike ignited a fire that nearly leveled one of its pioneer buildings. Only a charred fireplace stack and a few burnt beams remained standing by the time flames were extinguished. The camp immediately contacted Ayzertech at 9 AM. By 12 PM, our adjusters were on a flight and arrived onsite by 2:30 PM to begin assessing the damage and guiding the recovery process.

The insurance company’s initial offer of $478,191.42 fell far short of the true loss. Through expert negotiation, documentation, and valuation, Ayzertech secured a final building settlement of $634,339.40, plus an additional $40,457.97 in contents recovery.

Challenge

A lightning strike ignited a pioneer building, leaving it nearly destroyed. The insurance carrier undervalued the structural damage and failed to account for significant contents losses. The camp needed immediate expert support to properly document the destruction and secure a fair settlement.

Solution

Ayzertech performed a full on-site inspection within hours of the loss, documenting structural damage, hidden destruction, and affected contents.

We provided detailed estimates, challenged incomplete carrier assessments, and negotiated aggressively on the client’s behalf. By leveraging our specialized background in contents valuation and building reconstruction, we secured a final recovery that exceeded the initial offer by more than 40%.

What we learned together

This case reaffirmed the importance of immediate on-site response and thorough documentation. When claims are undervalued early, homeowners and organizations risk accepting settlements far below what they’re entitled to. By acting quickly and advocating strongly, we ensured a fair recovery and helped the camp rebuild without unnecessary financial burden.

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