![]() ![]() Choose the right amount of coverageĮven in areas prone to lightning strikes, homeowners do not need to purchase additional coverage for lightning. The presence of a ground surge from a nearby lightning strike can be difficult to prove, so fewer claims are paid out for this type of damage. This is the most common lightning-related claim. Ground surge: A lightning strike causes a spike in electricity throughout an area. Artificially generated current, such as sparks from a power company's electrical lines or transformers, can create damage similar to a near miss but is typically excluded from homeowners policies. It can be more difficult for the insurance company to determine the cause of damage in such cases. In this case, the damage is usually less. Near miss: Lightning strikes near the home but does not hit the structure directly. "This is generally the easiest claim to collect, since the damage is clearly evident," says Needelman. This type of lightning typically causes the most damage including fire and charring. Lightning strike: A bolt of lightning enters and passes through your home or other property on its way from the atmosphere to the ground. If you hear loud thunder, remain indoors and avoid contact with standing water in sinks or bathtubsīe aware of the season - lightning usually strikes more frequently on late summer afternoons and evenings Plug your key appliances and electronics into compatible surge protectors Have working smoke detectors, flashlights and fire extinguishers on each floor of your home ![]()
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