A friend of an employee here at BASE Lightning Protection posted a picture on Instagram a few days ago of a new skylight in her media room. The problem is the “skylight” wasn’t a skylight at all. She had her roof get struck by lightning and the whole thing burned and fell in. The insurance company said it will be 6-8 months before the damage is repaired. They will end up rebuilding an entire house in that time. This is in Canton, Georgia, just north of Atlanta. The sad part is that this girl has been friends with one of our installers for over a year. With a properly installed lightning protection system this could have been prevented. This isn’t an uncommon phenomenon, and it can happen to you. Thankfully no one was hurt in this accident.
Homeowners insurance does cover lightning damage. They cannot, however, recover or reproduce family heirlooms or unreplaceable assets. Family photos, stuffed animals, the trim on the door frame with little tick marks of how tall she grew since she was born. Those things are all gone. No amount of insurance can bring those types of things back, which is why it is so important to protect them in the first place.
What homeowners insurance can do is pay to have a lightning protection system installed on your house or give you a discounted rate if you have a system installed on your house. This could save you quite a bit of money in the long term and give you peace of mind during even the most dangerous thunderstorms.