Lightning is the electrical discharge that occurs during thunderstorms, typically accompanied by a bright flash of light and the sound of thunder. Lightning can pose various risks to property and individuals, including the risk of fire, structural damage, electrical damage, and injury.

Insurance policies, such as homeowners insurance or commercial property insurance, often include coverage for damage caused by lightning strikes. This coverage typically extends to repairing or replacing property that has been damaged by lightning, including structural damage, damage to electrical systems, fires caused by lightning strikes, and damage to personal belongings.

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Be Lightning Safe…Include a Lightning Protection System in your Building or Remodeling Plans

Installing a lightning protection system is a valuable investment when constructing, renovating, or repairing homes. Homeowners insurance typically covers lightning-related damages, while some policies extend coverage to power surge damages resulting from lightning strikes.