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Does Your Insurance Cover Lightening

Aug 30, 2008
Did you know that in the summer months, and especially in August, it is the high time of the year for lightning? It is said that in the summer there has been more insurance claims on the damage of lightning striking your home than in any other time of the year. Insurance on lightning may be a bit expensive, but it is better to be insured in case this deadly force ever strikes your home.

It is a known fact that lightning causes fires and can burn down whatever it strikes. It can do a lot of damage to everything. It can strike a tree causing it to set on fire. If the tree is near your house, it can land on it and break right through it, causing damage to half of your home. Don't worry, you are covered by your insurance - that is if you have it! There was one time I was watching the news and they were showing a woman that was hit by lightning. The lightning went right though her and melted her shoe to the pavement. She was in a huge crowd of people, and it only hit her. Lightning is very volatile and unpredictable. It can strike anything! Even if it is in a small area or a big one, it does not matter.

If you have a lightning storm in your area take all the plugs out of your sockets. Turn off your TVs, computer, and radios. Also, if lightning hits a telephone pole and you have a power surge, do not touch anything that is metal because you can get shocked and the electricity can rage throughout your whole body. They say that lightning never strikes twice, but it can hit around the same area, so watch out! Don't stand under a tree because it is very unsafe. In fact, it is the most dangerous spot for you to be because this is the most popular area for lightning to hit. Most of the time, lightning strikes a tall tree.

You need to stay away from water, poles, and metal objects. Don't ever go golfing in a storm, and keep fishing rods out of your hands or be on a boat in the first place. Just stay away from any large bodies of water, such as lakes, rivers, creeks, ponds, and puddles. You are better off in your home and out of the lightning storm. If a storm is in your area, and it is really dry because it has not rained in a while, then a single lightning bolt can cause a very large fire. So take cover and make sure you have insurance.
About the Author
Rachel Yoshida is a writer of many topics, visit some of her sites, like
Water Damage and Flood Damage Cleanup.
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