Lightning Strikes Should Make Homeowners Bolt for Coverage

Staying in the house, all snug and warm, watching classic movies and enjoying freshly baked cookies while a summer storm rages outside might be one of your favorite ways to while away a lazy afternoon. But what about when lightning accompanies the rain? Things can get dangerous fast. In fact, nearly 60 people are killed by lightning each year in the U.S. And in the Sunshine State last year, five people lost their lives due to lightning-related reasons. And although direct hits from lightning are rare, according to industry experts, lightning strikes amounted to almost $800 million in damage claims for nearly 200,000 homes in one year alone. Fortunately, standard homeowners insurance in Florida covers damage from lightning (including fire), and some policies also cover damage from electrical power surges caused by lightning.

Talk about the power of Mother Nature–a lightning bolt can produce temperatures of 50,000 degrees Fahrenheit. That’s enough to fry just about anything in your house. A bolt can enter through any kind of wiring (e.g., cable TV, electric lines or phone lines) to electronic and other delicate equipment, even set your home on fire, unless you have a lightning-protection system in place. Many are surprised to hear that lightning can also travel through plumbing pipes and water, including water in a bathtub or coming out of a shower head.

Crack of thunder, bolt of lightning—then fire!

That’s what happened at the Millers’ Miami homestead last month, when a bolt of lightning streaked through the roof of their two-story home and ignited a huge collection of Christmas décor stored in the attic. Quick action from the fire department saved the house, but a significant amount of damage was done by the fire as well as the smoke and water. Fortunately, the Millers were protected by a homeowners insurance in Florida policy that covered the bulk of the costs to repair their home. Talk to an agent today to learn about how this important policy can offer shelter from the storm.