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How to keep yourself, your home, and your belongings safe from lightning.

Personal Lines Lightning SafetyAccording to the Insurance Information Institute (I.I.I.), Florida has the highest number of lightning casualties of all 50 states. Lightning can cause damage to your home and belongings—and can cause bodily harm. It’s prudent to take steps to prevent the dangerous effects of lightning and to keep yourself and your family safe. Here are some things you can do according to the I.I.I.:

  • Lightning and insurance. Most standard homeowners and auto insurance policies cover damages, such as fire, that results from a lightning strike. Some policies also provide coverage for the damage caused by power surges. With that being said, it’s far better to prevent lightning damage than to have to deal with the consequences. Contact your advisor today to review your policy.
  • Lightning protection system. A lightning protection system (LPS) provides a specified path on which lightning can travel. The Lightning Protection Institute (LPI) explains how LPSs work in this infographic. A rooftop network of lightning rods or air terminals is connected to a series of down conductors, which carry the current down to a grounding network. In that way, the system safely directs the destructive power of the lightning strike into the ground, which leaves the structure of your home and its contents undamaged.
  • Surges. Electrical surges from lightning can enter a structure via power transmission lines and cause electrical fires as well as damage to your electrical system, your appliances and your home electronics. Regular power strips offer little surge protection. To assure the best safeguards, UL-listed surge protection devices (SPDs) should be installed to filter and dissipate damaging electrical discharges. To protect valuable electronics like computers, home entertainment centers, gaming systems and smart home technology, install UL-listed transient voltage surge suppressors–and consider unplugging expensive electronics when you know a storm is approaching.
  • Protect yourself and your family with precautions. 
    • When thunder roars, go indoors. During a storm, it’s best to take shelter in a house or other fully enclosed building. Inside, don’t stand near open windows, doorways or metal piping. Stay off the phone and avoid contact with small appliances, like toasters and hairdryers. As water conducts electricity, also stay away from plumbing, sinks, tubs and radiators.
    • If you know a storm is coming, avoid known hazards and dangerous locations. These include areas where you will be the highest object—a golf course, for example. Bodies of water also attract lightning, so avoid lakes, beaches or open water, and fishing from a boat or dock. Never ride golf carts, motorcycles or bicycles during a thunderstorm.
    • If you are caught outside in a thunderstorm, take shelter in a hard topped-vehicle or a low area such a tunnel or even a cave if necessary. Stay clear of fences, isolated trees and other conductive objects such as telephone poles, power lines and pipelines. These present a danger from a potential side flash, which is voltage from a nearby, lightning-struck object.
    • If you’re caught in an open field with no nearby shelter, and your hair begins to stand on end, drop down into a crouch with your hands on your knees, and balance on the balls of your feet. The static electricity in your hair is an indication that lightning is about to strike, and the idea is to make as little contact with the ground as possible. Never lie down flat or place your hands on the ground.

 

If you have any questions or concerns, please do not hesitate to reach out to Gulfshore Insurance, we are here to keep you informed and safe.

Andrea Pelletier, CPRIA, CPIA is Client Advisor and Partner at Gulfshore Insurance specializing in Private Risk Services. Andrea works with successful individuals and their families on creating and customizing package insurance solutions in the areas of luxury homes, car collections, jewelry, fine arts, watercraft, and personal excess liability. Comments and questions are welcome at apelletier@gulfshoreinsurance.com