Did you know that lightning kills more people than tornados and hurricanes each year. It normally strikes about 270,000 times and kills an average of 76 people each year. A typical home insurance policy protects our homes from lightning hurt. when you buy comprehensive insurance with your auto policy, any hurt to your vehicle is covered as well. Your health insurance will cover medical expenses in the event you or a family member were to be struck by lightning.

Lightening-related insurance claims filed by policyholders have dropped nearly 11.5% since 2004. The average cost per claim but, has risen nearly 70% over the past five years. Experts on insurance-related matters, blame increased claims cost on two things: Severe storms and a large increase in consumer electronics in homes.

High dollar electronics are now common place in the average houshold, which has a significant impact on insurance claims losses. While we delight in having sound systems, computers, and high definition televisions , these expensive electronics have contributed greatly to the cost of the average lightning related claim.

While the weather is beyond our control, we can take steps to protect ourselves, our loved ones and our homes from the effects of lightning. It’s vital to do your part to lower insurance rates-and keep your family, your home, and possessions safe. Don’t underestimate the power of lightning.

Here are some safety tips for you and your family

Try not to have contact with sinks, baths and water faucets.

Avoid windows, doors, and electrical appliances.

Aviod using a telephone during storms. Use a cell phone instead.

When storms are approaching, go to an area of lower elevation .

Stay away from single trees, metal objects, open areas, and hilltops.

Look for shelter in a nearby home or car.

Having a lightning protection system properly installed is approximately 99% effective in preventing potential lightning hurt.

Make sure your home’s electrical system is properly grounded.

The simplest and most effective way to protect expensive electronic equipment is to unplug them before storms approach.

Lightning can ruin costly electrical systems, home electronics, and start fires. To help prevent hurt use surge protectors

A typical bolt of lightning can result in heat of up to 50,000 degrees which often results in a fire. Such fires often go unnoticed , burning in attic space or within the walls of the home. Even if there is no visible flame, if you smell smoke or sense the possibility of fire, call the fire department quickly so that they can determine whether there is an immediate hidden danger.

It is also a excellent thought to follow up by having a qualified electrician diagnose frayed wiring and other potential hazards as soon as possible.

Although your chances of being struck by lightning are only 1 in 600,000, being prepared can reduce those numbers and keep yourself, your family, and your home safe when lightning strikes.

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