How To Protect Your Home From Lightning Strikes
by Admin
Posted on 13-07-2023 01:50 PM
Our editors and experts handpick every product we feature. We may earn a commission from your purchases. In the u. S. , the odds that you’ll be struck by lightning in your lifetime, if you live to be 80, are fairly low — 1 in 15,300. In fact, in 2020, there were only 17 verified, direct lightning strikes in the u. S. But the odds that lightning strikes your house are much higher, about one in every 200 houses in the u. S. Per year.
Last year, there were more than 70,000 lightning damage claims from homeowners in the u.
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Electricity means much more than an ever-growing variety of conveniences. The dangers lightning and electrical surges present are very real. For example, a sudden electrical surge could silently damage many of your appliances. An arc fault could spark an electrical fire — in fact, electricity is the third-highest cause of home fires every year. Or lightning could strike your home, causing extensive damage. Lightning is the most dangerous and frequently-encountered weather hazard that most people experience each year, according to the national severe storm laboratory. So take time to review some steps you can take to help protect yourself and your property.
The u. S. Is no stranger to lightning and its estimated these forces of mother nature cost homeowners over a billion dollars in damage each year, according to a recently released report by the insurance information institute. The institute found that only a small fraction of the more 100 million lightning strikes reported in the u. S. Annually cause damage, but their destruction can be costly researchers said in 2021, claims by u. S. Homeowners topped $1. 3 billion, but that was significantly down from 2020, when insured losses were more than $2 billion. The record-breaking 2020 year was due in part to california’s czu august lightning complex fires, which were caused by a storm’s lightning.
Lightning is one of the most dangerous weather hazards in the country. In a millisecond, it superheats the air to almost 50,000 degrees and causes shock waves that can break foundations, crack concrete and brick structures and break plaster walls. Homes and other buildings can be hit by lightning in three ways: through direct strikes, through wires or pipes that extend outside the structure, and through the ground. All of these methods can lead to electrical, phone and plumbing systems becoming a fire ignition hazard. Power surge damage is another common problem, since a lightning strike can cause power to randomly choose its victims and overload the home’s wiring.
Will your insurance cover lightning damage?
You are absolutely covered for any lightning damage that may occur to your home.
November 4, 2020 — homeowner insights | insurance insights lightning may be spectacular to watch from a distance, but when your home is struck by lightning it’s anything but pretty. According to national geographic, about 100 lightning bolts strike earth’s surface every single second, and each bolt can contain up to one billion volts of electricity. Safeguarding your home and personal property with the right insurance and understanding your lightning coverage is a first step. If your home experiences a lightning strike, having your home and belongings protected will help you return to normal as quickly as possible after a storm.