Robinson noted the electrical surge can damage even non-electrical appliances. Dan Robinson of Storm Highway explained that lightning can cause power surge damage if it uses your home's electrical wiring system as its primary or secondary path. In addition to causing structural fires, lightning can damage the electronics in your home. "Lightning strikes cost $739 million in homeowners insurance losses." 2. The Lightning Protection Institute also noted that homeowners may receive a credit on their homeowners insurance by installing a lightning protection system. Lightning protection systems can include:Īccording the the Lightning Protection Institute, a lightning protection system is a combination of highly conductive copper and aluminum materials used to provide a low resistance path to safely ground lightning's dangerous electricity. NBC affiliate KXAS-TV in Dallas- Fort Worth, Texas cited research from Underwater Laboratories, which stated a properly installed system is approximately 99 percent effective in preventing lightning damage. One of the best ways for homeowners, in particular, to protect their homes from lightning is to install a home lightning protection system. Here are four ways to protect your home from lightning: 1. Whether you're a homeowner or renter, there are steps you can take to prevent your property from being damaged. What's more, the report noted the amount of claims was declining (due to lightning protection technology) and the average cost per claim was rising, as damaged electronics become more expensive. The Insurance Information Institute reported lightning strikes cost $739 million in homeowners insurance losses in 2014, up 9.7 percent from 2013. They’re the last line of defense against voltage surges protecting some of your most valuable electronics.Lightning poses a major risk of property damage to both homeowners and renters by causing fires and power surges that damage electronics. Type 3 Surge Protective Devices are typically used with sensitive electronic equipment like TVs, computers, etc. They’re the second line of defense after Type 1. This one protects against internally and externally generated surges. Type 2 Surge Protective Devices are typically mounted to the load side of your main breaker panel. Type 1 Surge Protected Devices help protect from lightning strikes and externally generated surges. That’s located specifically between the utility pole and where your electricity enters your service panel. Type 1 Surge Protective Devices should be mounted on the line side of your main service entrance. Let’s talk about each unique device and remember, the quicker your home is set up the better protected your home will be. Having a true Whole House Surge Protection Network requires three specific types of surge protective devices to really get the job done. The best and most reliable way to be protected is by installing a surge protection network throughout various levels of your home. And what are surge protective devices? They are made to limit surge voltages on electrical equipment by diverting the voltage surge. Often it happens during lightning storms, but it can really take place due to any number of reasons. What’s a power surge? Well, it’s brief voltage spike that can occur on power lines, cable lines and telephone lines. Damage can range from complete failure to a reduction in useful life. Surges or spikes can actually destroy any sensitive electronics within the device we use in our homes - such as high-definition TVs, computers, refrigerators, microwave ovens and more. With the popularity of home automation devices, smart appliances, and other electronic equipment in today's homes, the requirement for "whole house" surge protection has become a necessity. Simply installing a surge protective breaker in your home’s main electrical panel is not enough to guarantee protection should your home, or the surrounding area, be struck. Now more than ever, it’s important to keep your home and devices safe from lightning induced surges.
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