Florida—the state with the most thunderstorms—remained the top state for lightning claims in 2016, with 10,385, followed by Texas (9,098), Georgia (8,037) and Louisiana (5,956).
Homeowners Insurance Coverage
Damage caused by lightning, such as a fire, is covered by standard homeowners insurance policies. Some policies provide coverage for power surges that are the direct result of a lightning strike, which can cause severe damage to appliances, electronics, computers and equipment, phone systems, electrical fixtures and the electrical foundation of a home.
In recognition of Lightning Safety Awareness Week, June 18 – 24, the I.I.I. and the Lightning Protection Institute (LPI) encourage homeowners to install a lightning protection system in their homes.
"Lightning protection systems that follow the guidelines of NFPA are designed to protect your home by providing a specified path to harness and safely ground the super-charged current of the lightning bolt,” said Kim Loehr, Communications Director for LPI, a national organization that promotes lightning protection education, awareness and safety.
To locate an LPI-certified lightning protection system installer in your area, click here.
Facts and Statistics: Lightning
Consumer Alert: The Dangers of Shoddy Lightning Protection System Installations
Infographic: Got Lightning? Get Grounded
Insurance Institute for Business & Home Safety
NOAA/National Weather Service
THE I.I.I. IS A NONPROFIT, COMMUNICATIONS ORGANIZATION SUPPORTED BY THE INSURANCE INDUSTRY.
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