Protect Your Home From Lightning Strikes and Power Surges

Homeowners insurance and lightning

Power surges have always existed, but the need for effective whole house surge protector installation is greater than ever. Did you know some of the largest power surges come from within your own home? It’s not always thunderstorms or other external activity. A power surge occurs when the voltage exceeds the normal flow of electricity. Unexpected voltage surges may have devastating consequences.

Today, we have more electronic devices in the home than ever before and those devices typically incorporate circuitry and microprocessors highly sensitive to voltage fluctuations, so preventing power surges is vital to the safety of your family and home.

What Causes Whole House Power Surges?

  • Lightning strikes
  • Power line surges
  • Faulty or old wiring
  • Short circuits and tripped circuit breakers
  • Appliances and household equipment

Think about the major systems in your home that cycle on and off. The air conditioner or boiler is a good example. Every time it turns on, it draws a major amount of power. When it cycles off, the power need is gone. There’s a constant surge and release.

The cycling actually causes tiny surges throughout the day. They don’t cause instantaneous damage like a lightning strike would, but add to cumulative damage to sensitive electronics which shortens the life of TVs, microwaves, home theater components, pool heaters and smart appliances.

Other outside sources of power surges also require protection at the main electrical panel. These include voltage spikes that frequently occur when power is restored after a blackout, as well as surges due to downed power lines in a storm.

Do Whole House Surge Protectors Really Work?

 Yes!  A whole-house suppressor instantly blocks the surge from entering home circuits to provide comprehensive lightning protection.

Many expensive electrical devices, including major appliances like stoves, washers and dishwashers, as well as garage door openers and HVAC equipment, are hard-wired directly into your house electrical circuits.

Security systems, sprinkler systems, and exterior lighting are hard-wired too. Only a whole-house suppressor which protects all circuits from exterior-originating surges protects hard-wired devices.

Does Homeowners Insurance Cover Power Surge Damage?

Damage sustained from a lightning strike is usually covered by a homeowners insurance policy. However, policies can change from person to person and insurer to insurer.

Any homeowners insurance policy has a list of covered perils — or particular events that will be protected. Lightning strikes are listed as a covered peril on most policies.

How Does Home Insurance Cover A Lightning Strike?

Like other perils that are covered by your home insurance policy, a lightning strike doesn’t just cover damage to your house. Your home will be sorted if it is damaged by a lightning strike, but so will other structures such as your garage or tool shed.

Your home insurance will also cover personal property damage. So, if lightning ruins your TV, furniture, or anything else you own in your home, you should be covered. And finally, the policy will usually help cover living costs if you’re forced out of your home while it is repaired.

What You Should Do, If Your House Gets Struck By Lightning And Has A Power Surge?

 If your home sustains lightning damage, you’ll need to proceed just as you would with any other form of covered damage. File a claim with your insurance company, and they’ll send someone out to inspect your home. Remember to document all damage in and around your home by taking photos, videos, and writing up a comprehensive list to show the inspector.

Not sure if your home is properly Insured? Give MVR Insurance Agency a call (914) 693-3500 for a free policy review. Save on premiums by bundling your home and car insurance together!