A lightning strike in late July caused a fire to the roof. There was substantial charring to the roof framing and significant water damage to the lower floors. The home was built in the late 1800’s as an estate for a wealthy industrialist. It had unusual features, including turrets, elaborate exterior trim, copper flashings and slate shingles, oversized stained glass windows, heavy mahogany doors, expensive wood flooring, raised oak paneling and custom hardwood moldings throughout.
The insured carried $582,000 in building coverage which allowed some leeway concerning the decision to make repairs.