Lightning Damage

Lightning is one of the most frequent causes of homeowner insurance claims.


177,000 claims in 2007
278,000 in 2004

While the number of claims went down, the average cost per claim went from $2,646 to $5,321, according to the Insurance Information Institute.

The increase in cost is attributed to an increase in sensitive electronics like flat screen TVs.  Surge protectors could make a difference.

Frankly, I never thought of a surge protector for my TVs.  I have one on my computers but not the other electronics.  I’ll fix that with the next trip to the hardware store.

Scott Simmonds, CPCU, ARM, CMC
“The Guy With the Big Insurance Brain”
Providing Unbiased Insurance Assurance℠