Lightning Protection Systems

The following insurance tips are from the International Risk Management Institute’s Personal Lines Pilot newsletter. You may use them on your Web site or in client communications subject to IRMI’s license terms.

A lightning protection system is designed to control or redirect a lightning strike to a specified path. The system does not prevent a strike but provides a path on which the electrical current can safely be redirected to the ground. Its objective is to prevent destruction or injury as the lightning travels that route. According to the Lightning Protection Institute, the system is composed of several key components, including the following:

  • Lightning rods — inconspicuous slender rods installed on the roof at industry-specified intervals.
  • Conductors — aluminum or copper cables that interconnect the lightning rods and the other parts of the system.
  • Ground terminations — metal rods driven into the earth to redirect the lightning current harmlessly to the ground.
  • Surge arrestors and suppressors — devices installed in conjunction with a lightning protection system to safeguard electrical wiring and electronic systems and equipment.

So is a lightning protection system a wise purchase for your home? Most lightning experts recommend that individuals owning homes with several of the following characteristics or features should purchase a lightning protection system.

  • Previously has been struck by lightning
  • Located in a neighborhood which has experienced lightning damage
  • Located in a community or city that has experienced over 25 thunderstorm days a year
  • Located in an isolated and open area, or on a hill
  • Has aluminum siding
  • Has a brick, stone, or metal chimney
  • Has a high or large satellite dish
  • Has a metal or wood roof
  • Has tall trees overhanging the roof
  • Lacks surge protection on the electrical panel or on incoming phone lines

Lightning protection systems should meet the code established by Underwriters Laboratories and the LPI. Note that some insurers provide premium credits for homes with these types of certified systems.

For an average size home, the cost for this system ranges from $2,000 to $3,000.

Copyright 2009
International Risk Management Institute, Inc