Lightning Safety & Homeowners Insurance - Part 1

Personal safety is top priority when lightning is in the sky. Take shelter in a secure, enclosed location. Stay inside until the storm passes. A lightning strike may cause electrical current to enter the phone line, electrical wires, plumbing lines, or metal framework. Stay off landline telephones; avoid bathing or washing dishes in the sink; move away from windows and doors.

Homeowners can take pro-active steps to protect property from lightning damage. For example, look into installing a whole-house lightning protection system. It should include lightning rods securely attached to the roof and grounding rods that provide a path on which lightning can travel. A UL-approved whole-house surge protector installed on the electrical service panel is another way to reduce damage from a lightning strike. Speak with an electrical contractor for more information. Traditional electric cords do not provide electronics and appliance from power surges. Upgrade to surge protecting power strips. Finally, consider unplugging expensive electronic equipment when severe lightning is nearby.