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Protect Your Home From Lightning

In less than a microsecond, a lightning strike can produce heat five times hotter than the surface of the sun. While this is quite remarkable, it also is very dangerous. About one in 200 homes are struck by lightning each year, resulting in torched homes and even injury. As a matter of fact, lightning was responsible for $739 million in homeowners insurance claims in 2014.

Help protect yourself and your home from lightning strikes by considering the suggestions below.

  • Have a professional install a certified lightning protection system. This system is made up of a series of components:
    • Air terminals (also known as lightning rods)
    • Main conductors
    • Grounds – A minimum of two ground rods, driven at least 10 feet deep is suggested.
    • Bonds
    • Surge arresters and suppressors – These prevent the entrance of overvoltages, which can lead to fire.
  • Consider having a lightning protection system installed on any trees taller than or within 10 feet of the home.
  • Unplug all electronics in the house, including landline telephones. While surge protectors offer some protection, they may not protect you and your home should it be hit with a direct lightning strike.


Insurance Information Institute Lightning Statistics

National Geographic: Flash Facts About Lightning

National Oceanic and Atmospheric Administration: NOAA) Knows Lightning PDF



© 2020 The GuideOne Center for Risk Management, LLC. All rights reserved.This material is for informational purposes only. It is not intended to give specific legal or risk management advice, nor are any suggested checklists or action plans intended to include or address all possible risk management exposures or solutions. You are encouraged to retain your own expert consultants and legal advisors in order to develop a risk management plan specific to your own activities.