HAYWARD, MN – It’s said that lightning never strikes the same place twice, and one Southern Minnesota family is hoping that’s true.
A home in rural Hayward is badly damaged after a fire on Sunday night. The Freeborn County Sheriff’s Office believes the blaze was started by a bolt of lightning striking near the house.
Though incidents like this are rare, they are covered by most insurance policies.
“It’s set up for sudden, direct, non-reoccuring losses. The damage that the actual lightning bolt did when it hit isn’t covered. What would be covered is the damage resulting there from the lightning, so yes, the fire then would be covered,” said State Farm Insurance Agent Dave Klatt.