Lightning Strike Protection

[ishoot308]

Originally Posted by ApS

Based on a lightning strike to a nearby house, my guess is that your Gilford house was built in a spot of high exposure and high elevation. There's probably not much that can be done to prevent another strike in the future; however, sailboats have some lightning countermeasures that might be worth exploring. :look.

Your pretty much spot on APS, high exposure, just off the lake, higher elevation...

it was determined the majority of the strike came through Metrocast internet cable. Even though the cable was grounded and screwed into a surge protector it blew right past it and did tons of damage trying to find more ground. From what I am hearing, there is not much I could of done when a strike this large hits.

It also came through an underground dog fence, blew apart the surge protector that it was plugged into.

Luckily I have a full replacement value homeowners policy and they have been great to work with thus far. No increase in policy for filing claim which is really nice!

Dan

[LakeTimes]

Originally Posted by ishoot308

Your pretty much spot on APS, high exposure, just off the lake, higher elevation...

it was determined the majority of the strike came through Metrocast internet cable. Even though the cable was grounded and screwed into a surge protector it blew right past it and did tons of damage trying to find more ground. From what I am hearing, there is not much I could of done when a strike this large hits.

It also came through an underground dog fence, blew apart the surge protector that it was plugged into.

Luckily I have a full replacement value homeowners policy and they have been great to work with thus far. No increase in policy for filing claim which is really nice!

Dan

Good to know. If you dont' mind sharing, which insurance provider do you have?

[AC2717]

Originally Posted by ishoot308

Your pretty much spot on APS, high exposure, just off the lake, higher elevation...

it was determined the majority of the strike came through Metrocast internet cable. Even though the cable was grounded and screwed into a surge protector it blew right past it and did tons of damage trying to find more ground. From what I am hearing, there is not much I could of done when a strike this large hits.

It also came through an underground dog fence, blew apart the surge protector that it was plugged into.

Luckily I have a full replacement value homeowners policy and they have been great to work with thus far. No increase in policy for filing claim which is really nice!

Dan

Hi Dan
there should not be an increase in premium for filing the claim, the only thing you could expect to see is upon renewal, if you had one, a loss free credit, usually about 8-10% off the premium (not all parts of the premium are subject to the credit) might be removed. But a small price to pay to offset the damage

[ishoot308]

Originally Posted by AC2717

Hi Dan
there should not be an increase in premium for filing the claim, the only thing you could expect to see is upon renewal, if you had one, a loss free credit, usually about 8-10% off the premium (not all parts of the premium are subject to the credit) might be removed. But a small price to pay to offset the damage

Thanks for the info! Yes its a small price for the free credit loss as right now I am at 20 grand worth of damage!

Dan