Protecting your home from lightning strikes


This week is Lightning Strike Awareness Week, sponsored by the National Weather Service to raise awareness about lightning hazards and to remind us about personal safety. Lightning kills an average of 47 people in the United States each year, and hundreds more are severely injured.

While the chances of being struck by lightning are pretty rare, particularly if you heed expert advice during electrical storms, the chances of damage to your home or property are much more common. The Insurance Information Institute (III) just issued an updated report on homeowners insurance claims from lightning strikes and electrical surges in the United States. The bad news is that the number if incidents rose by almost 10% in 2016 to 109,049 claims, but the good news is that the average cost of a claim that insurers paid dropped by almost 5% – to an average of claim cost of $7,571.90. III says that more than half the claims were related to electrical surge damaging components or wiring, while power surges from transformer or service line shorts were also contributing factors.

Does your homeowners insurance cover a lightning strike? III says that:

Damage caused by lightning, such as a fire, is covered by standard homeowners insurance policies. Some policies provide coverage for power surges that are the direct result of a lightning strike, which can cause severe damage to appliances, electronics, computers and equipment, phone systems, electrical fixtures and the electrical foundation of a home.

Report all claims immediately to your insurer. For advance planning, check with your independent insurance agent to learn what your homeowners policy does and doesn’t cover.

Home Lightning Protection

See the III infographic we included in this post and their article on Lightning Coverage and Safety for information on home lightning protection systems, as well as “do’s and don’ts” for general lightning safety. Lightning protection systems are designed to protect your home by “providing a specified path to harness and safely ground the super-charged current of the lightning bolt.” But in purchasing a lightning protection system, it’s important to find a licensed and certified installer. Shoddy systems that don’t comply with national standards can be dangerous – see this consumer alert that depicts that dangers of shoddy systems.

 

 

 

Snow storm damage? III has the scoop


clearing snow

After you’re done digging out from the snow today, are you safe in putting the shovels and  scrapers away yet? Probably not – New England weather is full of surprises. Yesterday’s storm was billed as late in the season, but many New Englanders recall the infamous 1997 April Fool’s Day Blizzard, which deposited 25.4″ at Boston’s Logan Airport. And in 1977, on May 10, Worcester accumulated almost 13″ of snow, while Providence saw about 7″. And then there is the historic 1816, dubbed the year without summer, that recorded snow in June.

In terms of snow totals overall, the 2014-2015 snow season is the record breaker, with 110.6 inches in Boston; Lowell and Worcester both came in at about 120 inches for the season.

While yesterday’s storm proved less intense in some areas than predicted, there were hours of heavy, damaging wind and the coast was battered. Many communities saw power outages, and some people are coping with storm related property damage today.

Claire Wilkinson of the Insurance Information Institute’s blog has a handy run-down: Winter Storm Damage? Insurers Have You Covered, discussing damages that are typically covered by auto policies and homeowners policies. The good news is that typical homeowners policies cover most home-related storm damage with a few exceptions.

One exception is flooding, which would include melting snow seeping into the cellar. Flooding is not typically covered by Homeowners, you need a specific flood coverage, a separate policy. See our prior post: Does homeowners insurance cover flooding?

While flooding from a burst pipes or ice dams would generally be covered, Wilkinson notes that in the event of burst pipes, “there is generally a requirement that the homeowner has taken reasonable steps to prevent these losses by keeping the house warm and properly maintaining the pipes and drains.”

If you do need to file a homeowners claim for storm damage, here’s some advice: Putting in a homeowners claim? … Talk your agent first!

And also from the Insurance Information Institute, here is a brief overview of the steps for filing a home insurance claim.

Snow day toolkit: Shoveling, sharing the road with plows & more


Snow day! Despite many closures in anticipation of a fast-moving storm today, some people still need to be out and about, and most of us will need to deal with the subsequent cleanup. We’ve ferreted through our archives to find some of the best tips we’ve found on cealing wiht the snow safely. And to get you in the spirit, we’re offering a few interesting snow related clips:

Here’s a mesmerizing extreme snow removal video that may make you feel better about a measly 8-14 inches

Snow shoveling 101: Best shovels, best techniques

Sharing the road with snow plows & more winter driving tips

Take care: Shoveling snow can kill or injure you

Snow shoveling and snow removal safety

And after it’s over:
Snowmageddon: Is your roof at risk of collapse?

Beat the Extreme Heat Tools!


With oppressive heat and humidity in the forecast for the Northeast today and through this weekend, we’ll all be looking for ways to beat the heat. If you’ll be working or playing outside, it’s really important to slow down, take precautions and know the signs of heat illness. Plus, you might also want to keep a close eye on kids and check in on any elderly relatives or neighbors who live alone. If they don’t have AC, they might get relief at a nearby senior center.

This handy chart helps you to know the signs of heat exertion and heat stroke.

zHeat_IllnessThe Massachusetts Emergency Management Agency has some good Extreme Heat Safety Tips, with suggestions for what to do to prepare for and deal with extreme heat. Also, see the infographic below.

It might be a great weekend for movies, museums, libraries, malls and other air conditioned public or entertainment places. It’s a good time to get ahead of your back-to-school shopping. If you plan to visit an outdoor pool or swimming hole to beat the heat, be prepared to take cover – there’s also chance of strong late afternoon or early evening thunderstorms.Heavy rain can also cause flash flooding in some low areas.

Should you have any power outages – a real possibility between the high demand on power grids and electrical storms  –  check with local authorities for cooling centers or heat shelters.

Here are state emergency resources to keep handy:

 

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Snowmageddon: Is your roof at risk of collapse?


After the unprecedented series of record-breaking snowstorms, we’re hearing some reports of roofs collapsing under the weight of the snow. One of our insurance partners, The Hanover, posted this persuasive graphic on their Twitter feed comparing the cost of a roof replacement vs a roof rake.

roof-rake

That’s pretty convincing, but how do you know if your home or business is at risk? The Insurance Institute for Business & Home Safety has a great infographic (below) along with an informative post on Four Steps to Identify and Address Roof Risks from Heavy Snow – it offers tips for how to identify and assess your risk and how to address problems safely. It’s well worth a read, particularly since forecasters say there may be more snow in our future this week!

This has got to end someday, right? When it does, keep this resource handy:
Responding to Flooding When Snow and Ice Melt

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