Lightning Damage and Property Insurance
Summer is the time of year when lightning can cause severe damage to your home, or even destroy it totally. As temperatures rise during the day, humidity can build up and result in tremendous thunderstorms during the late afternoon and early evening. In 2014, lightning-started home fires cost the insurance industry $739 million in homeowner claims.
Lightning can cause several types of damage when it strikes your home. Of course, the first thing we think of is fire. A fire caused by lightning may destroy the entire house or just a portion of it. Usually these fires start in an attic and may affect your entire home rapidly since there are no walls in the attic to slow down the fire's advance.
Another problem that lightning can cause is damage to electronics. Lightning's electrical charge can travel through your home's wiring and burn out electronic circuits in TV's, radios,computers. It can also destroy electronics even that are protected by a surge protector. You may see smoke from this type of event or you may not. If your house is struck by lightning make sure you check every piece of electronics that was plugged in.
Lightning coursing through your home's wiring may also cause failure to the wiring itself. A house fire could result hours or days later, as the wiring is utilized.
Lightning is also attracted to copper or galvanized plumbing pipes. We have seen lightning strike one end of a house, run through the plumbing lines burning holes as it passes, and exit out the other end of the house, blowing a water spigot completely out of the end of the house. So in addition to the possibility of fire damage, you may now have to deal with water damage from ruptured water lines as well.