Lightning is an atmospheric discharge of electricity, which usually, but not always, occurs during rain storms, and frequently during volcanic eruptions or dust storms.

Lightning is covered under the most basic coverage. If you purchased fire insurance then lightning claims will also be paid out. Of course, you want to do what you can to reduce risk. Buildings that have a high rooftop such as a church with steeples or bell towers are most likely to suffer a lightning strike. This is because as the lightning releases its electrical energy it will seek out the highest point in the landscape.

So what do you do to protect yourself from lightning?

You need to have the appropriate protective measures in place. Once they are in place it is important that there is regular maintenance and inspection.

The insurance answer

Insurance help is available. If you own a commercial building then there will be certain recommendations made by the insurance company as to what standards you need to meet for safety. This would include proper lightning protective measures such as a lightning rod.

If lightning does strike and it hits your personal home, car, or commercial building your basic coverage will respond. You need to talk to your broker or agent about coverage being noted for electrical supply sources that are off premises. This may not be included in your present policy and you may have to add it in. Ask questions. Get answers. Take control of your insurance.