Lightning Coverage and Safety
Damage caused by lightning, such as fire, is covered by standard homeowners and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of lightning striking a home or business. There is also coverage for lightning damage under the comprehensive portion of an auto insurance policy.
With the explosion in the number and value of consumer electronics in homes, such as flat screen TVs, home entertainment centers, multiple computers, gaming systems as well as new smart home technology, it is more important than ever to take precautions.
The I.I.I. offers the following tips to protect homes and businesses against power surges and lightning strikes:
1. Install a lightning protection system. A lightning protection system supplies structural protection by providing a specified path on which lightning can travel. When a building is equipped with a lightning protection system, the destructive power of the lightning strike is directed safely into the ground, leaving the structure and its contents undamaged. A lightning protection system includes a “rooftop network” of lightning rods or air terminals at the top of the house connected by a series of down conductors to carry the current down to a grounding network (grounding rods or ground plates, depending upon soil conditions). Lightning protection is not a “do-it-yourself” project, so make sure you contract with a UL-listed lightning protection specialist to install the system in accordance with national Safety Standards. Homeowners may be at an increased risk if they have a Corrugated Stainless Steel tubing (CSST) product in their home and should bring this to the attention of the lightning specialist.
2. Use surge protectors. Today’s sensitive electronic equipment is particularly vulnerable to lightning. To assure the highest level of protection, a UL-listed surge protection device (SPD) should be installed on electrical service panels. Most electric utilities will rent or sell a surge device for the electric meter to “clamp down” on incoming surges. A licensed electrician can also be engaged to put similar equipment on the electrical panel. Installations typically include SPDs for the main electric panel, as well as incoming phone, cable, satellite and data lines. SPDs protect against damaging electrical surges that can enter a structure via power transmission lines. By filtering and dissipating the harmful surges, SPDs prevent electrical fires and protect against electrical discharges that can damage a building's electrical system, computers, appliances and other systems. UL-listed transient voltage surge suppressors can also be installed to protect high-valued, sensitive electronic equipment like computers, TVs, corded telephones, microwave ovens, washing machines, refrigerators, garage door operators, irrigation system controllers, etc. Keep in mind that power strips offer little protection from electrical power surges.
3. Unplug expensive electronic equipment. As an added precaution, unplug expensive electronic equipment such as TVs, computers and the like if you know a storm is approaching.
Do’s and Don’ts for Lightning Safety
6. Stay off the telephone! In your home, don’t stand near open windows, doorways or metal piping. Stay away from the TV, plumbing, sinks, tubs, radiators and stoves. Avoid contact with small electric appliances such as radios, toasters and hairdryers.