Severe thunder and lightning storms are more than just frightening - they can also cause a lot of damage. There are approximately 20 million lightning strikes that reach the ground annually in America, each of which can reach temperatures high enough to turn sand into glass. In fact, hundreds of thousands of insurance claims related to lightning damage are filed each year, reporting over $1 billion in losses.
Why does lightning cause so much damage? Rather than traveling straight down, a lightning strike typically spreads along the ground, affecting the surrounding areas (for miles, on occasion). The voltage of a lightning strike can travel through wiring and into buildings, which can easily short out computers, phones, TVs, appliances and other equipment in both personal and commercial properties. Some power surges are even strong enough to ignite fires. But damages aren't limited to the effects of a direct lightning strike on your property; perhaps lightning strikes a neighbor's tree, which then splits and falls through your roof.
To protect your electronics from such damages, plug them into point-of-device surge protectors. Even better, unplug them before a storm hits. If you're still worried, you can install lightning rods on your roof to direct the surge into the ground and away from your home's interior.
After a storm, avoid using landline phones if any electrical lines were downed. If you notice any live wires or other power surge damages, call an electrician to have your home inspected and repaired. Remember that water conducts electricity, so keep it away from any questionable electric issues.
Luckily, most standard homeowners insurance policies cover lightning damages. Businesses can purchase equipment breakdown insurance on top of property insurance for added protection.
We'll protect you from the unpredictable nature of storms. Call TCU Insurance Agency at 800-772-8043. for more information on Indiana home insurance.