Join Date: Apr 2006
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The boat must be HAULED and surveyed, and the insurer will want to send their own "adjuster" to examine and inventory the damage. Depending on your insurer, that may be a fully qualified marine adjuster, or someone from a car insurance company who is used to seeing powerboats hit by drunks.
So you need to set up the appointment with the insurer, and preferably make sure they are familiar with haul costs and will cover the type of haul you plan for. (Haul & stands? "Lunch" haul? whatever options you have, including ay extra cost if the adjuster doesn't show when the haul is booked.)
BEFORE THEN, I would suggest you do a stem-to-stern inspection of the boat, as if you were searching for drugs. Every electrical wire is suspect. Every fitting is suspect. The entire powertrain is suspect, the lightning can jump almost anywhere and burn or weld almost anything, so you need to TEST everything for operation. The adjuster may appreciate it if you hand him a list and say "All this is damaged" if it is extensive. Make sure he sees and lists every item that you have found, which may include pinholes in hull below the waterline. (Common with an encased keel.)
Go aloft, check the masthead. Or ask the insurer to have this done by a rigger, the odds are their adjuster is not going to go anywhere near it.
Pulleys, sheeves...rigging turnbuckles...don't assume anything is unscathed. And while I've never heard it mentioned, I'd also question the integrity of the standing rigging if that wire/cable had carried a strike.
Be a skeptic, lightning plays by its own rules.