You may have heard the maxim, "When thunder roars, go indoors." Inside you'll undoubtedly be safer
yourself, but your home is always at risk, even if a strike is a mile away. In fact, Richard Kithil of the National Lightning Safety Institute says indirect lightning strikes are 2000 times more likely to cause "mischief" than a direct strike.
Lightning is the most consistent weather killer on earth. It kills more people than hurricanes, tornadoes, or floods. Each year, approximately 24,000 around the world are killed by lightning. Another 24,000 are struck and injured but survive.
In the United States, only three out of 10 people struck by lightning die. The immediate cause is a heart attack. More often than not, lightning flashes over the outside of a victim. The heat and percussion of the strike, however, can cause serious injuries.
We all know not to use water during a thunderstorm, stay away from windows, and get off the phone. But here's how lightning can damage your home even if there isn't a direct strike.
How Lightning Travels Into Your Home
In western Virginia, a homeowner installed an invisible fence system to contain her golden retriever. During a lightning storm, a bolt struck the ground in a next-door neighbor's yard. The current traveled through water in the ground and was absorbed by the wiring used in the invisible fence. That current then traveled into the home, "frying" TVs, stereo systems, the AC unit, appliances, and more. The total cost to repair the damage was well into the five figures.
Lightning can strike up to 2 miles away and travel through underground streams and water pipes into your home. If a water-using appliance is running, the current can cause damage to the appliance directly. It can also shock anyone using a shower or washing his hands/dishes.
Concrete floors are reinforced with metal that can conduct electricity from ground strikes. Experts advise not standing or sitting on concrete during a lightning storm. It is also advisable not to place sensitive appliances or equipment directly on concrete as they can also be damaged.
If the electricity from a lightning strike is conducted by a home's gutters, windows, concrete floors, and other exterior conductive materials, it can jump to the home's electrical system. A direct hit or one nearby can cause an explosive surge that will destroy the wires. These wires can melt and ignite surrounding materials. Individual surge protectors can protect against small surges but are unlikely to prevent damage from a direct strike. Whole house surge protectors will protect your wiring, but it is always a good idea to unplug appliances and electronics during a storm.
Aluminum windows can conduct electricity, though not as well as other metals like copper and steel. If a lightning strike is close enough, the coatings on aluminum windows and railings can melt.
Thunder is a shock wave caused by the rapid expansion of heated air around lightning. These shock waves can cause structural degradation and cracking in concrete, brick, cinderblock, and stone, depending on their intensity and proximity. Brick and stone chimneys are particularly susceptible as the vibrations can damage the mortar and shake the flashing loose.
Benjamin Franklin said, the only absolutely safe place to go in a lightning storm is "inside sitting in a silk hammock reading a good book."
What to Do After A Lightning Strike
Fire and Scorching
A direct strike on your home should be called into 9-1-1 immediately, even if you don't see any fire or scorching. Fires inside the walls and in the attic can smolder for hours undetected. The fire department can use a sensor to detect heat within your walls and quickly address any issues.
If there is no fire, you should contact a professional contractor to schedule a complete inspection of your roof, chimneys, roofing shingles, siding, gutters, and walls for damage.
What Insurance Should Cover
Your homeowners policy typically covers damage from a lightning strike. If you have a professional contractor inspect your home and damage is found, Mutual Assurance will pay for the inspection and the damages. If the contractor finds no damage, the homeowner will pick up the cost for the inspection.
Please remember that keeping your homeowner policy up to date is essential for you to get the correct coverage.
Some Lightning Facts You Probably Didn't Know
Lightning doesn't actually travel at the speed of light. The flashes we see do (670,000,000 mph), but electricity/power travels at only 270,000 mph.
The most lightning struck location in the world is Lake Maracaibo in Venezuela. Thunderstorms here occur 140-160 nights each year with an average of 28 strikes per minute. Some storms last up to 10 hours, which would equate to 40,000 strikes in one night.
Helicopters can cause lightning. While flying, a copter acquires a negative charge. When it passes through an area that is positively charged (like the base of a cumulonimbus cloud) it can trigger a lightning strike.