• From acquiring an excellent property insurance policy to setting up lightning rods, many measures can be taken to shield your home from lightning. Lightning has the potential to damage your property and result in significant financial loss, as you will need to repair the house and replace the destroyed possessions. Obtain home insurance to keep your home and its contents secure. Refer to this article to learn more.

Ways to safeguard your home

Here are some straightforward tips on how to defend your home against a potential lightning strike:

1. Disconnect the electrical appliances
First and foremost, you should disconnect and unplug every electronic device such as your refrigerator, television, and air conditioner. Lightning produces a massive surge of electricity that can ruin gadgets and potentially cause fires, so keep them unplugged until the storm passes.

2. Install a lightning rod
You need to set up a reliable lightning rod on the roof of your structure to ensure that damages are reduced. Hire a professional to install this as soon as possible if you haven’t done so already.

3. Insist on proper earthing
The earthing of the house needs to be exceptional. If you have a solid earthing system in place, your home will be less susceptible to lightning damage.

The role of home insurance

The significance of a home insurance protection plan is vital in this context. If your property is impacted by lightning, you can file the following claims from a comprehensive home insurance policy:

1. Fire
Lightning frequently causes fire. Any fire-related damage to the property resulting from lightning is covered under a comprehensive home insurance policy.

2. Damage to electronic devices
Modern gadgets such as televisions and gaming consoles are quite costly. If they get damaged by lightning strikes, you can submit a claim on your property insurance plan.

3. Structural damages
Structural harm to the building is common following a lightning strike. You can receive coverage for all such damages like cracked walls, broken doors, etc. , when you invest in a solid homeowners insurance policy from a reputable insurance provider like HDFC Ergo.

The bottom line

In addition to applying the lightning protection methods mentioned above, you should also invest in a good building insurance plan. Even if your house suffers damage from a lightning strike, you can file an insurance claim and restore it without facing a significant financial burden.

Disclaimer
The above information is for illustrative purposes only. For additional details, please consult policy wordings and prospectus before finalizing the sale.