Lightning Damage Insurance Claims

8/2/2021 (Permalink)

Lightning is hotter than the surface of the sun and can reach temperatures around 50,000 degrees, according to the NOAA. While lightning strikes are most prevalent in the summer, a house can be struck any time of the year.

Lightning can enter your home through power lines and cause electrical fires and damage a home’s electrical systems. Fortunately, damage caused by lightning is typically covered by a standard homeowners insurance policy.

You might want to consider a lightning protection system (LPS) to help protect your home. An LPS is installed on your rooftop and has a network of lightning rods or air terminals that safely carries the current down to a grounding network.

Keep in mind, an LPS is not a do-it-yourself project. You’ll need to hire a professional who works within the guidelines of the National Fire Protection Association and who is certified by the Lightning Protection Institute. It’s a good idea to ask your home insurance agent if you’ll qualify for a discount if you install an LPS.

For example, we looked at a policy from Amica that offers a lightning protection system discount if it is installed by a certified Lightning Protection Institute installer. To qualify for the discount, the system must include lightning rods and lightning surge arresters that protect the electrical wiring and all electronic devices in the entire house.

You can file a claim for lightning damage on your homeowners insurance. You will be responsible for paying the deductible.

https://www.forbes.com/advisor/homeowners-insurance/storm-damage-insurance-claims/

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