According to the Insurance Information Institute (III), homeowners’ claims on lightning strikes have increased significantly in recent years. Lightning strikes increase in frequency during the spring and summer months and can virtually occur anywhere.
Though most homeowners policies cover acts of god, you should always double check to make sure yours protection adequately covers you against damage cause by lightning strikes.
There are some things you can do to protect your home from power surges and lightning strikes including:
- Install a lightning protection system, which will protect vital home power system protection by giving the lightning an alternate path to follow. This type of system includes lightning rods or air terminals at the top of the house. These can be disguised as weather vanes while wires carry the current through grounding rods implanted in the ground. This system needs to be securely installed, preferably by a licensed electrician, so it doesn’t whip around in a storm and damage the structure.
- Use a surge protector to protect vital electronic equipment. Surge protectors installed on the main power panel, phone, cable, satellite, and data lines coming into the house. These devices protect you against damaging surges that can enter via power transmission lines thus damaging electrical systems, computers, appliances, and more. Surge protectors are different from power strips and may or may not have this feature built in to them.
- Barring the above two methods, the surest way to protect expensive electronic equipment is to unplug it when it is not in use or when it appears a storm is approaching.
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