How to Protect Your Home From Lightning Strikes?

Posted on: Jul 29, 2024 | 3 mins | Written by: HDFC ERGO Team

How to Protect Your Home From Lightning Strikes?

From getting a good property insurance policy to installing lightning rods, a lot can be done to protect your home from lightning. Lightning can cause damage to your property and lead to heavy financial loss as you will have to repair the house and replace the damaged belongings. Get home insurance to keep your home and its belongings safe. Take a look at this article to know more.

Ways to safeguard your home

Here are some simple tips on how to protect your home against a possible lightning strike:

1. Disconnect the electrical appliances

First and foremost, you need to disconnect and unplug all electronic devices such as your fridge, TV and AC. Lightning brings forth a large surge of electricity which destroys the gadgets and can also lead to fires, so keep them unplugged till the storm subsides.

2. Install a lightning rod

You must install a good lightning rod on the roof of your building to ensure the damages are minimised. Get a professional to install this at the earliest, if you have not done so yet.

3. Insist on proper earthing

The earthing of the house needs to be top-notch. If you have a good earthing system in place, your house will be less vulnerable to lightning damage.

The role of home insurance

The role of a home insurance protection cover is crucial in this matter. If your property is struck by lighting, you can make the following claims from a comprehensive home insurance plan:

1. Fire

Lightning often leads to fire. Any fire damage to the property caused by lightning is covered under a comprehensive home insurance plan.

2. Damage to electronic devices

Modern-day gadgets like televisions and gaming consoles are quite expensive. If they are damaged by lightning strikes, you can make a claim on your property insurance plan.

3. Structural damages

Structural damage to the building is common after a lightning strike. You can get protection against all such damages like cracked walls, broken doors, etc when you invest in a good homeowners insurance policy from a leading insurance provider like HDFC Ergo.

The bottom line

Apart from implementing the lightning protection methods listed above, you must also invest in a good building insurance plan. Even if your house is damaged by a bolt of lightning, you can get an insurance claim and restore it without undergoing a huge financial loss.

Disclaimer The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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