Does Homeowners Insurance Cover Lightning Strikes And Broken TVs? 
In most cases yes , if the broken TV is a result of a lightning strike or other covered peril . The key here would be your deductible . If you have a $ 500 deductible and it will cost $ 600 to replace your TV why turn it in ? Your insurance rates may go up and you end up losing money . Any time you have a question regarding coverage always call your agent first . He can help you decide if it is worth turning in . 