Statistics show that approximately 20 million cloud-to-ground lightning strikes occur each year in the United States. Every time there’s a thunderstorm, there’s a good chance that one of those strikes could hit your home. Lightning strikes aren’t just capable of doing potentially fatal harm to human beings – they can also cause house fires and destroy home electronics. Damage or losses from lightning strikes can be financially difficult to recover from, which is why it is important to make sure your home insurance policy covers this destructive natural phenomenon.
Does Your Home Insurance Cover Lightning Strikes?
In most cases, the average standard insurance policy includes lightning strikes as one of sixteen common perils. These perils also include fire, which can occur shortly after a lightning strike, and earthquakes. Certain home insurance policies will also cover power surges that are set off by a lightning strike. It is especially rare that a home insurance policy does not cover lightning strikes, but such plans do exist. However, you’ll want to the most protection you can afford when it comes to protecting your home and its valuables from the effects of lightning strikes.
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Protection Can Equal Discounts
Some home insurance providers offer significant discounts to homeowners who equip their homes with a lightning protection system. These systems capture and re-channel the electrical charge carried by lightning, sending the electrical current into the ground. Lightning protection systems provide a relatively effective way of controlling and redirecting lightning so that it does not strike and damage non-
conducting portions of a dwelling. Having a lightning protection system not only protects your home from lightning damage, but it can also help reduce your monthly premiums.
What to Do If Your Home is Hit
Dealing with the aftermath of a lightning strike is a necessary, yet painstaking process. As soon as your home is struck, you’ll want to get in contact with your home insurance agent. Not only that, you’ll want to make sure you have extensive records of any big-ticket items you’ve recently purchased, including TVs, home entertainment systems, computers and other expensive electronics. Also, you want to maintain an accurate record of the amount spent on repairing or replacing items. Make sure to check with your claim representative before you discard items that have been destroyed by lightning. If possible, you may want to hire an independent adjuster instead of leaving the issue of your claim to your insurer. A claims adjuster affiliated with your home insurance provider may be persuaded to adjust your claim in the company’s favor.
There are many other ways you and your loved ones can protect themselves during a lightning storm. For instance, keep away from doors and windows during the storm. Don’t forget to unplug any electronics that are not protected by a surge protection system, to avoid the possibility of those electronics being affected by power surges. Turning to the largest home insurance agency in the US homeinsurance.com can be a big help when it comes to dealing with lightning strikes.