Take a look at the following link from the National Lightning Safety Institute.
Without physical manifestations of the strike on the vehicle itself, you may be up against proving or dis-proving the effects of electromagnetic pulses put out by a lightning strike in close proximity to the damaged item being claimed. Does not releave the Insured of the duty to prove their loss so they will need to provide information as to where they were when the strike occurred, what happened immediately after, etc. Typical investigational data. Then pull a lightning report for that time and area and see if one actually did strike.
Consider the cost of the investigation as opposed to the cost of the claim payment after deductible is applied and go from there.
Let us know what you end up doing.
Kevin Hromas - JD, RPA, PLCS WIND Umpire
EGA - Houston, TX
Kevin Hromas - JD,EGA,RPA,PLCS,WIND Umpire