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Lightning Safety Week – Surge Protection for Your Home   Leave a comment

lightning

At the first clap of thunder, seeking shelter indoors to avoid being struck by lightning is a priority. But it’s also important that what’s inside the structure is protected as well. According to the Lightning Protection Institute (LPI), a single bolt of lightning can carry over 30 million volts of electricity. A strike from a powerful charge like that could trigger a power surge that could damage expensive electronic equipment inside your home – or worse – spark a devastating fire.

As part of Lightning Safety Week (June 23-29), the Insurance Institute for Business & Home Safety (IBHS) advises homeowners to take precautions to reduce the chances of lightning-related loss and disruption from power surges.

To reduce the risk of damage from a lightning strike, homeowners should consider investing in a whole-house surge protector, which offers protection against electrical surges or spikes. Many utility companies provide and install whole-building surge protection systems. If this is unavailable in your area, consider hiring a licensed electrician to install the protector.

There also are relatively inexpensive ways to prevent significant damage from a power surge. Below, learn how to keep expensive electronics from being damaged or destroyed by a sudden spike in voltage. Find additional lightning protection guidance for both businesses and homes at disastersafety.org/lightning.

PREVENTING POWER SURGE DAMAGE TO YOUR HOME

1. Unplugging electronic equipment when there is lightning in the area is the most reliable means of protecting that equipment from a power
surge.

2. Know the important difference between a surge suppressor and a power strip. A power strip plugs into your wall outlet and allows you to
plug in multiple electronic devices. However, a power strip does not protect equipment from being damaged by a spike in electrical power.
Like a power strip, a surge protector also gives the user the ability to plug in multiple electronic devices, but it also protects your
electronic devices from sudden power spikes.

3. Connect telephone, cable/satellite TV and network lines to a surge suppressor.

4. Make sure the surge suppressor has an indicator light so you know it is working properly.

5. Ensure the surge suppressor has been tested to UL 1449, which should be indicated on the packaging.

6. Purchase a surge suppressor with a Joule rating of over 1,000. The Joule rating typically ranges from 200 up to several thousand the
higher the number the better.

7. Look for a surge suppressor with a clamping voltage rating (voltage at which the protector will conduct the electricity to ground)
between 330 v, which is typical, to 400 v.

8. Purchase a surge suppressor with a response time of less than 1 nanosecond.

9. Avoid cutting corners. You don’t want to protect a $1,000 television or computer system with a $10 surge protector. For $25 and up, you
can provide much better protection.

10. Consider hiring a licensed electrician or home/building inspector to review the power, telephone, electrical and cable/satellite TV
connections in your home. Have them check that you have adequate grounding of the power line connection and your power distribution
panel. All of the utilities should enter the structure within 10 feet of the electrical service entrance ground wire and be bonded to
that grounding point.

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Happy National Insurance Awareness Day!   Leave a comment

Insurance

June 28 is National Insurance Awareness Day- our favorite holiday, of course! We want to remind you of some of the many reasons why insurance is so great and you just can’t afford to be caught without it.

Insurance provides safety and security. It’s a good feeling to know in the situation that if something were to happen, you are taken care of. Peace of mind is a great feeling to have. Life is unpredictable but we can protect ourselves and the ones we love from the unthinkable with a great insurance plan in effect.

Having insurance also helps you financially. The cost to repair damage can be significantly high, higher than you would be able to afford. Having insurance will allow you to prepare the deductible.

Take a look at some numbers.

In recent years, the average home claim has totaled $7,368.

Average flood claim is $24,166.

Average fire claim is $24,153.

National severe weather claim is $7,163.

National liability claim average is $11,153.

If you get stuck in one of these situations, would you have the money to pay out of pocket? Protect yourself and the ones you love. Celebrate National Insurance Awareness Day by making sure your polices are up to date.

“Our blogs are for general education and information only and may not represent your unique needs. Coverages will vary. Please contact your insurance agent to verify your specific policy terms and conditions.”