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Originally Posted by fiedlerh
From your original description it sounded like it hit your house. I guess it depends on how they define "hit your house". Can they prove it didn't?
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That's the problem with lightning. Just being near a strike is enough to induce quite a bit of current on some lines and enough voltage in some cases to destroy electronics and wiring. It's why being under trees is a bad thing, the lightning strike doesn't have to actually hit you to kill you.
Chances are insurance companies will only step up if it's proven that lightning did strike AND do visible physical damage to some place on the house, not just electrical damage as it doesn't require a direct strike to do that.