At any given time on our planet Earth, there are 1,800 thunderstorms in progress—and with them comes lightning. Your standard homeowners and business insurance policies, and the comprehensive portion of an auto insurance policy cover damages—such as a fire—that results from a lightning strike. Some policies also provide coverage for the damage caused by power surges. However, bodily harm from lightning isn’t easily remedied. Here are some steps you can take to prevent the dangerous effects of lightning and to keep your family safe.
An LPS provides a specified path on which lightning can travel. A rooftop network of lightning rods or air terminals is connected to a series of down conductors, which carry the current down to a grounding network. In that way, the system safely directs the destructive power of the lightning strike into the ground, which leaves the structure of your home or business and its contents undamaged. Installing a LPS is not a “do-it-yourself” project—contract a UL-listed lightning protection specialist to install the system in accordance with national safety standards.
Electrical surges from lightning can enter a structure via power transmission lines and cause electrical fires as well as damage to your building’s electrical system, your appliances and your home electronics. Regular power strips offer little surge protection. To assure the best safeguards, UL-listed surge protection devices (SPDs) should be installed to filter and dissipate damaging electrical discharges. Most electric utilities will rent or sell a surge device for the electric meter to “clamp down” on incoming surges; licensed electricians can install similar protection. To protect valuable electronics like computers, home entertainment centers, gaming systems and smart home technology, install UL-listed transient voltage surge suppressors–and consider unplugging expensive electronics when you know a storm is approaching. More information from National Grid