“Thundersnow” on Franklin’s Birthday is a Reminder that Hazardous Weather can Strike without Warning!
The National Weather Service (NWS) reported lightning striking from the Gulf Coast to the Midwest during a widespread winter storm that recently hit the U.S. and parts of Canada on January 17, 2013. The date happened to be Benjamin Franklin’s 306th birthday, who ironically, happens to be the inventor of the lightning rod.
“Thundersnow” is a rare weather phenomenon that features the unusual combination of thunder, lightning and snow. According to the NWS, thundersnow is so rare that it only occurs in less than one percent of observed snowstorms.
So what causes this weather phenomenon? The NWS explains that thundersnow occurs when lightning forms after an electric charge separation process in updrafts and downdrafts created inside a convective system. Enhanced air instability, a quick temperature change from surface to cloud and a charge separation process can trigger lightning and the ensuing thundersnow.
Lightning occurring during thundersnow has been known to zap trees, homes, buildings and traffic lights; although wide-spread power outages during these storms are a more common scenario. Restoration and repair of power lines in the winter can be especially tricky when heavy snows impact travel and road accessibility. While lightning is commonly an underrated weather threat, it’s even more so during winter storms when thunderstorm conditions can be harder to predict. The average lightning bolt can carry 100 million volts of electrical power and it’s virtually impossible to predict when and where lightning will strike. Lightning can strike miles ahead of a parent thunderstorm and several minutes after a storm leaves a specific area; which is why the NWS has dubbed lightning as “the first thunderstorm hazard to arrive and the last to leave.”
Even though lightning is a frequently experienced weather peril and a known fire risk for structures, myths still persist about lightning protection. Franklin’s famous kite and key experiment in 1750 proved that lightning is electricity and thus led to his invention of the lightning rod and structural lightning protection systems. The Franklin rod was designed to conduct lightning’s electricity and disperse it safely into the ground. Soon after Franklin’s invention, lightning rods and lightning protection systems began to be installed on buildings and homes for protection against a common cause of structural fire. The National Fire Protection Association (NFPA) first adopted “Specifications for Protection of Buildings Against Lightning” in 1904, which eventually led to lightning protection code 78 and the ensuing “Standard for the Installation of Lightning Protection Systems” NFPA 780 document adopted in 1992.
Lightning protection has come a long way since Franklin first invented the lightning rod in 1752, but the principles behind the science of lightning protection remain the same today. Franklin’s famous quote, “An ounce of prevention is worth a pound of cure,” still rings true in terms of the security lightning protection can provide against nature’s underrated threat—whether that dangerous weather condition strikes in spring, summer, fall or even winter!
Remember the Lightning Protection when Going Green! Hazard resistance can improve sustainability & prevent losses.
Natural disasters can have a devastating effect on you, your home and your property. While sustainable building design concepts are increasingly being incorporated into construction through green building rating systems, it’s important that these practices also implement resiliency measures to address natural hazards. Designers, builders and code officials are typically mindful of practices that provide resistance to natural hazards such as high winds, earthquakes, floods and wildfires–but what about lightning? The risk of lightning and especially fire associated with lightning, is often overlooked and underrated as a potential threat. Even the most safety-conscious designer, may not have considered this risk that affects thousands of homeowners each year. Lightning associated with thunderstorms and sometimes hurricanes can pose a variety of fire hazards. The massive power of lightning’s electrical charge and intense heat can induce destructive power surges through home circuitry, burn holes in CSST gas piping, explode brick and roofing materials, and ignite house fires.
While it’s true that lightning losses are generally a covered peril in most property insurance policies, usually there are treasured belongings that homeowners can’t replace or restore. Lightning protection is often one of the least expensive improvements that homeowners can purchase, and it can provide the best type of insurance – peace of mind and protection for family, home and valuables.
Lightning is also unique in that it doesn’t discriminate according to the region of the country. Most regions in the U.S. are susceptible to lightning strikes. Since lightning strikes more than 250,000 times per year and the vast majority of homes in the U.S. do not have lightning protection systems, there is a real potential for danger and destruction. The upside is that typically, only minimal design modifications are needed to address hazard resistance against this frequently destructive force of nature. For homeowners who don’t want to take a chance with lightning, a professionally installed lightning protection system is a viable idea.
A lightning protection system provides a network of low resistance paths to safely intercept lightning’s dangerous electricity and direct it to ground without impact to the structure or its occupants. When lightning’s electricity is confined to a properly designed conductive path via a lightning protection system (e.g. roof network, grounding, bonding and surge protection) damage can be minimized or eliminated. Providing this low resistance path means the lightning does not try to fight its way through non-conductive building materials like wood, brick, rubber membranes, glass and plastic en route to the ground. Since the resistance encountered in these materials is what produces heat, fires and even explosions, adding a lightning protection system can safeguard a home from the resultant effects of lightning.
It’s important for designers, builders and code officials to include lightning protection among green building practices for natural hazard resistance. Green buildings also use state of the art energy collection methods that can be susceptible to damage by direct or nearby lightning strikes. Lightning’s harmful surges can zap, interrupt and damage these internal building systems. Repair and service of these systems can result in homeowner headaches and often lead to costly service fees. Not only is lightning protection effective and affordable, but it provides another measure to improve building safety, resiliency, sustainability and efficiency. So if you’re going green with building plans, don’t forget the lightning protection!
Lightning protection components such as strike termination devices (rods) and conductors can be impacted when a building is damaged by extreme weather events and re-roofing is required.[/caption]
Coordination Ensures Proper Maintenance for Both
Weather events like hurricanes, high winds, ice and snow, and extreme temperatures can degrade a structure’s roof system, and in turn affect the continuity of your home or business’s lightning protection system. Building upgrades (roof construction, remodeling, changes to the mechanical or communication system, etc) can also alter or interrupt the lightning protection system. These are just some of the reasons why it’s important that residential or commercial building repairs, re-roofing or maintenance work include an annual inspection of the lightning protection system to ensure quality control.
Unfortunately, the integration and maintenance of lightning protection systems in conjunction with roof systems has not received adequate attention from the roofing and construction industries. A lack of coordination between roof system and lightning protection system specifications and their associated trades can result in a variety of maintenance issues and roofing problems. There is a consensus in the roofing industry that standard details pertaining to the integration of a lightning protection system into a roof system need to be developed by the Metal Building Manufacturers Association (MBMA) and the National Roofing Contractors Association (NRCA), but these entities have no specialized knowledge in the compliance requirements for complete systems. In the interim, the lightning protection safety standards of NFPA 780, UL 96A and LPI 175 should be used as a point of reference.
Maintenance and inspection of existing lightning protection systems to continue the designed safety for the structure is an ongoing process. NFPA 780, Standard for the Installation of Lightning Protection Systems, 2011 Edition, advocates a visual inspection to make sure exposed components are still in good working order every year, and a comprehensive testing inspection every five years for any system. Specialized systems for homes in extreme-weather prone regions may need even shorter inspection cycles.
The Lightning Protection Institute Standard of Practice for the Design-Installation-Inspection of Lightning Protection Systems, (LPI-175) outlines the importance of reinspecting the lightning protection system at regular intervals to verify its continued effectiveness, similar to inspections of roofing materials, flashings, or exterior wall coverings. LPI-175 provides a list of checkpoints for the building owner or system installer to reference during the inspection and maintenance procedure. The LPI-177 Inspection Guide for Certified Systems can be used with the LPI-175 Standard to aide in the inspection process. An inspection guide like LPI-177 or the Lightning Protection Institute Inspection Program (LPI-IP) will not only identify elements of the lightning protection system that may need to be corrected, but it will address changes to the structure that require an extension of the system for proper protection.
Structural additions and remodels may call for extension of the existing system, but less apparent are internal system changes that may extend to the exterior of the building. The addition of roof mounted vents and mechanical units from process changes or placing an antenna for communication networks or cameras for security upgrades can change the risk of damage significantly. Review by a professional installer or inspector of lightning protection systems can catch these details so that the system can be extended or repaired to incorporate these changes for continued safe performance.
Various elements of the reproofing process require the supervision of a qualified lightning protection contractor. A decision must be made on the removal and care of existing system components for possible reinstallation. The process of removal and reinstallation on phased projects needs coordination to maximize time under protection. Structurally mounted hardware needs to be properly anchored according to the Standards. Bonding reinstallation must fulfill the system needs for roof-level potential equalization. Runs of cable conductor must provide the most direct low-impedance path to building downleads and structural steel. The total package must return the building to the protected zone of the lightning protection system for the expected safety level of occupants and contents.
LPI provides certification testing for individuals to show their competency in this specialized trade according to the lightning protection Standards. LPI qualifies contractors through examination for system design, inspection and installation–so look to LPI as a key resource for maintenance of your lightning protection system to ensure performance to last the life of the structure.
Your home should be a safe haven for you and your family. But even the most safety-conscious homeowner may not have considered a risk that affects thousands of homeowners each year. Lightning associated with thunderstorms and sometimes hurricanes can pose a variety of fire hazards and these fires have highlighted the dangerous and destructive impact that lightning can have on protected homes and structures.
According to a recent National Fire Protection Association (NFPA) report, titled “Lightning Fires and Lightning Strikes” fire departments in theU.S. respond to an estimated 24,600 home lightning fires each year. These home fires caused an estimated average of 12 civilian deaths, 47 civilian injuries and $407 million in property damage per year. Despite these staggering statistics, lightning is often overlooked as a specific peril, even though substantial claims and great devastation result from it. What’s unique about lightning is that it doesn’t discriminate according to geographical regions, as most areas of the country are susceptible to lightning strikes. Since lightning strikes more than 250,000 times per year and the vast majority of homes in theU.S. do not have lightning protection systems, there is a real potential for danger and destruction.
Just this summer, an elderly man and his granddaughter died after lightning sparked a house fire in Louisville,Kentucky. The elderly man was bedridden and his granddaughter was trying to get him out of the house. According to Louisville firefighters, lightning struck a 80-ft tree and entered a phone wire that traveled through the rear of the house. Melted wire indicated that the phone line had carried lightning’s electricity into the basement of the home. A neighbor who witnessed the event, described the severity of the fire as “like having a blow torch coming out of the house.” Sadly, the elderly man died of his injuries at the scene and the granddaughter was later declared dead at a Louisville hospital.
LPI is seizing Fire Prevention Week as an opportunity to remind the public of the importance of lightning protection systems in helping to prevent property loss, injury and death during lightning storms. When fire (or lightning!) strikes, your home could be engulfed in smoke and flames in just a matter of minutes, so it’s important to have a fire escape plan in place to help your family be prepared and get out quickly. This year’s NFPA’s campaign theme focuses on the importance of fire escape planning and practice. According, LPI supports the “Have 2 Ways Out” theme in conjunction with Fire Prevention Week, October 7-13, 2012. Visithttp://www.fpw.org for more information.
Similar to other home security measures that reduce expected losses for insurers, lightning protection systems provide valuable loss mitigation against a costly weather hazard that affects millions of homeowners in the U.S. Statistically, lightning is the most commonly experienced weather hazard, unlike earthquakes, wildfires, tornadoes or hurricanes, which are more likely to affect homeowners in certain geographical regions of the country. Unpredictable weather hazards continue to incur costly losses, which is why insurance companies are recognizing the importance of rewarding loss mitigation efforts by offering premium credits and discounts. When homeowners take steps to better protect their property against weather hazards affecting their geographical region, insurance companies take notice! This can translate into insurance companies rewarding their savvy customers by lowering the cost of their homeowners policies.
In most states insurance companies offer premium credits for security systems, fire alarms, residential sprinkler systems, permanently installed back-up generators and other protective measures for the entire external perimeter of the home. Lightning protection systems are recognized as “protection for the entire external perimeter of the home” and as such, are often considered for credits.
So, how does a homeowner go about securing an insurance credit or discount for their lightning protection system installation? Well, quite simply, the homeowner might need to ask. Since some insurance providers don’t have set policies regarding lightning protection credits or incentives, the homeowner may need to contact their agent or broker for assistance in determining their eligibility for a discount.
Here are some tips for homeowners to keep in mind when inquiring about insurance discounts:
• Ask the insurance agent or broker if the lightning protection system installation is applicable for a discount or credit under “security protection for external perimeter” or “weatherproofing mitigation” guidelines.
• Make sure that the lightning protection system is installed by a qualified LPI-certified installer in accordance with LPI, NFPA and UL safety standards so that the installation meets quality assurance requirements.
• Request that the installing firm provide system compliance information (inspection or proof of installation document) to forward to the insurance provider upon completion of their service.
• Ask the insurance provider about discounts for loss mitigation efforts. If premiums are being lowered for mitigation efforts for earthquakes (frame anchoring, bracing cripple walls, strapping a water heater in place, etc.) or for hurricanes (roof bracing, hurricane shutters, or retrofitted doors), then loss mitigation for lightning may be applicable for discount, as well.
• Acquaint your insurance provider with lightning loss statistics (lightning cost more than a billion dollars in insured losses in 2011 and the average homeowner claim was approximately $5,122.) The Insurance Information Institute (I.I.I.) http://www.iii.org is a good resource for obtaining lightning loss information.
• Link your insurance provider with lightning protection industry resources that provide information and continuing education services, such as the Lightning Protection Institute (LPI) http://www.lightning.org and the Lightning Safety Alliance (LSA) http://www.lightningsafetyalliance.org if the provider has questions or needs more information.
Some of the insurance providers known to provide credits, incentives, discounts and recommendations for lightning protection systems include: AIG Private Client Group, Chubb, Saint Paul Travelers, Nationwide, Liberty Mutual, State Farm, the Hartford and Citizens/Hanover Insurance. LPI invites insurance providers who are interested in sharing their customer incentives for lightning protection to contact us at firstname.lastname@example.org.
Lightning is an extremely powerful force that should never be underestimated. A single bolt of lightning can pack up to 100 million volts of devastating electricity—which is why an ounce of prevention (a professionally installed lightning protection system) can be worth a pound of cure!
Hurricane Season is a Timely Reminder of the Devastating Effect Natural Disasters Can Have on You and Your Property
We hear a lot about sustainable building design concepts and have witnessed an increase in sustainability being incorporated into construction through green building rating systems. There is certainly a consensus of the importance of implementing resiliency measures to fortify homes and structures to address concerns about most natural hazards. Designers, builders and code officials are typically mindful of practices that provide resistance to natural hazards such as high winds, earthquakes, floods and wildfires–but what about lightning? The risk of lightning and especially fire associated with lightning, is often overlooked and underrated as a potential threat. Even the most safety-conscious designer, may not have considered this risk that affects thousands of homeowners each year. Lightning associated with thunderstorms and sometimes hurricanes can pose a variety of fire hazards. The massive power of lightning’s electrical charge and intense heat can induce destructive power surges through home circuitry, burn holes in CSST gas piping, explode brick and roofing materials, and ignite house fires.
According to the Insurance Information Institute (I.I.I.) lightning strikes in the U.S. cost nearly $1 billion in insured losses in 2011. These losses ranged from damage to expensive electronic equipment, to structural fires that destroyed entire homes.
While it’s true that lightning losses are generally a covered peril in most property insurance policies, there are treasured belongings that homeowners can’t replace or restore. Lightning protection is often one of the least expensive improvements that homeowners can purchase, and it can provide the best type of insurance – peace of mind and protection for family, home and valuables.
What’s unique about lightning is that it doesn’t discriminate according to the region of the country, as most areas are susceptible to lightning strikes. Since lightning strikes more than 250,000 times per year and the vast majority of homes in the U.S. do not have lightning protection systems, there is a real potential for danger and destruction. The upside is that typically, only minimal design modifications are needed to address hazard resistance against this frequently destructive force of nature. For homeowners who don’t want to take a chance with lightning, a professionally installed lightning protection system is a viable idea.
A lightning protection system provides a network of low resistance paths to safely intercept lightning’s dangerous electricity and direct it to ground without impact to the structure or its occupants. When lightning’s electricity is confined to a properly designed conductive path via a lightning protection system (e.g. roof network, grounding, bonding and surge protection) damage can be minimized or eliminated. The highly conductive copper and aluminum materials used in a lightning protection system provide a low resistance path through which lightning can travel. Providing this low resistance path means the lightning does not try to fight its way through non-conductive building materials like wood, brick, rubber membranes, glass and plastic en route to the ground. Since the resistance encountered in these materials is what produces heat, fires and even explosions, adding a lightning protection system can safeguard a home from the resultant effects of lightning.
It’s important for designers, builders and code officials to include lightning protection among green building practices for natural hazard resistance. Not only is lightning protection effective and affordable, but it provides another measure to improve building resiliency. Since quality control issues frequently arise in building planning and the field, technical support is often necessary to ensure systems comply with national installation safety standards. Of the national authorities who write and revise the lightning protection safety standards, LPI is the only one founded specifically to study lightning protection. The Lightning Protection Institute – Inspection Program (LPI-IP) provides on-site lightning protection system inspection services, follow-up inspection reports and issues certification for systems that comply with national safety standards of LPI-175, NFPA-780 and/or UL-96A. The LPI-IP program was designed to serve a growing industry need for a comprehensive third party inspection approach for commercial and residential projects in the U.S. Visit the LPI-IP web site at www.lpi-ip.com for more information.
New Website Connects Facilities and Patrons with Educational Materials
LPI and the Lightning Safety Alliance (LSA) have joined forces to launch a lightning safety initiative to provide educational resources for outdoor recreational facilities. The “Safer Design for Safer Play” campaign features a new website, www.lightning-risk.org, that provides best practices for lightning safety and effective lightning protection measures for outdoor facilities such as theme parks, golf courses, playgrounds and sports stadiums. The website is an information warehouse which connects owners, operators, designers and patrons of recreational facilities with useful information about lightning, a deadly yet often underrated threat.
The “Safer Design for Safer Play” initiative dovetails with new efforts by the National Weather Service (NWS) to promote greater lightning safety at outdoor venues. The NWS has created a new “Lightning Safety Toolkit for Large Venues” that details the voluntary steps recreational facilities can adopt to better protect patrons from lightning threats in order to earn NWS recognition for a lightning safety program.
“The National Weather Service is pleased to see the lightning protection industry offer new educational resources to the public and those who design and operate recreational facilities,” said Donna Franklin, NWS program coordinator for lightning safety. “By leveraging our own efforts with the work of the private sector and other disaster safety organizations, we hope to help avert future lightning-related tragedies at outdoor venues.”
Lightning safety at outdoor recreational venues is a special concern, as a significant percentage of lightning deaths and injuries occur in these settings. Last September, a lifeguard at Adventure Island in Tampa, FL was killed while evacuating a water slide as a lightning storm approached. Just a month earlier, eight people were injured by a lightning strike after exiting a water pool at SeaWorld’s Discovery Cove in Orlando. Numerous other lightning fatalities and injuries have occurred at golf courses, campgrounds and baseball fields.
Providing lightning protection for recreational facilities with large open areas is difficult but not impossible. The new initiative is designed to connect recreational facility designers and operators with the educational resources they need to help reduce risk and keep patrons safe against lightning. Facility designers can rely on the same criteria that organizations like the FAA, NASA and the U.S. Department of Defense have developed to protect munitions, piers, air fields and camps. These design criteria are described in the National Fire Protection Association Standard, NFPA 780 – Standard for the Installation of Lightning Protection Systems. Designers can also turn to LPI and Underwriters Laboratories (UL) for more information on effective lightning protection system design. Detailed information about these standards is available at www.lightning-risk.org.
“As summer months carry an increased lightning threat, we encourage patrons of recreational facilities to visit lightning-risk.org to become better educated about how they can protect themselves and their families when visiting their favorite golf course, beach or theme park,” said Bud VanSickle, LPI executive director.
VanSickle also urged people to lend their support to the “Safer Design for Safer Play” initiative by clicking on the ‘Join the Lightning Safety Initiative’ button on the www.lightning-risk.org home page. Individuals and owners, operators or designers of recreational facilities can sign up for emails about upcoming educational and training opportunities relating to lightning safety and lightning protection systems or submit relevant reports, articles or presentations that can be posted on the lightning-risk.org website.
Lightning is an underrated killer. Knowing fact from fiction can save lives and prevent lightning injuries. Here are some common myths about lightning and the actual facts.
Myth #1: Lightning never strikes the same place twice.
Fact: Lightning often strikes the same place repeatedly, especially if it’s a tall, pointy, isolated object. The Empire State Building was once used as a lightning laboratory, since it is hit nearly 25 times per year. (Recent video footage in April of 2011 recorded lightning striking the Empire State Building several times in a matter of just a few minutes.)
Myth #2: Lightning rods don’t really work.
Fact: When installed with national safety standards, lightning protection systems will properly protect a building to withstand a multitude of lightning strikes. This is why major buildings like the Sears Tower or the Empire State sustain dozens of strikes a year and are still standing!
Myth #3: If it’s not raining, or if clouds aren’t overhead, you’re safe from lightning.
Fact: Lightning often strikes more than three miles from the thunderstorm, far outside the rain or even thunderstorm cloud. “Bolts from the Blue,” though infrequent, can strike 10-15 miles from the thunderstorm.
Myth #4: Rubber tires protect you from lightning in a car by insulating you from the ground.
Fact: Most cars are reasonably safe from lightning, but it’s the metal roof and metal sides that protect you, not the rubber tires. Thus convertibles, motorcycles, bikes, open shelled outdoor recreation vehicles, and cars with plastic or fiberglass shells offer no lightning protection.
Myth #5: A lightning victim is electrified. If you touch them, you’ll be electrocuted.
Fact: The human body doesn’t store electricity. It is perfectly safe to touch a lightning victim to give them first aid.
Myth #6: If outside in a thunderstorm, go under a tree to stay dry.
Fact: Being underneath trees is the second leading activity for lightning casualties.
Myth #7: A house will keep you safe from lightning.
Fact: While a house is a good place for lightning safety, just going inside isn’t enough. You must avoid any conducting path leading outside, such as corded telephones, electrical appliances, wires, TV cables, plumbing, metal doors or window frames, etc. Don’t stand near a window to watch the lightning. An inside room is generally safe, but a home equipped with a professionally-installed lightning protection system is the safest shelter available.
Myth #8: Wearing metal on your body (jewelry, watches, glasses, backpacks, etc.), attracts lightning.
Fact: Height, pointy shape, and isolation are the dominant factors controlling where a lightning bolt will strike. The presence of metal makes virtually no difference where the lightning strikes. While metal doesn’t attract lightning, touching or being near long metal objects (fences, railings, bleachers, vehicles, etc.) is still unsafe when thunderstorms are nearby. If lightning does happen to hit it, the metal can conduct the electricity a long distance and still electrocute you.
Myth #9: Lightning rods attract lightning.
Fact: Definitely not! A lightning protection system simply intercepts a lightning strike and provides a path to ground for discharging the dangerous electricity.
Myth #10 : Surge arresters and suppressors will protect my home against lightning.
Fact: Surge arresters and suppressors are important components of a complete lightning protection system, but can do nothing to protect a structure against a direct lightning strike. These items must be installed in conjunction with a lightning protection system (air terminals, bonding, grounding, etc.) to provide whole house protection.
Myth #11: Lightning protection is way too expensive for the average homeowner.
Fact: Lightning protection is often one of the least expensive home improvements you can purchase and offers peace of mind and proven protection for your family, home and valuables. If you live in a lightning-prone area, it provides a big return on a small investment.
Myth #12: T.V. antennas and satellite dishes protect structures from lightning.
Fact: No! As antennas are not adequately grounded to safely handle the powerful lightning current, the can actually provide an easy entry for lightning’s harmful current.
Myth #13 : All modern buildings are “grounded” and don’t need lightning protection, right?
Fact: No! This refers to the electrical service being grounded for general electricity. The electrical service is not adequate to handle a lightning strike which can pack up to 30 million volts of power.
Myth #14: I don’t need lightning rods because only tall buildings get hit and my neighbors’ houses are much taller.
Fact: Lower roof levels and structures are often lightning targets, as lightning is just seeking that lowest resistance path to ground. Scientists say that lightning doesn’t pick its strike termination target until within 150 ft. of the striking point.
Myth #15: If trapped outside and lightning is about to strike, lay flat on the ground.
Fact: Lightning induces electric currents along the top of the ground that can be deadly over 100 feet away. While lying flat on the ground gets you as low as possible, it increases your chance of being hit by a ground current. Consult weather forecasts when planning outdoor activities and try to have a plan in place for safe shelter if a storm should approach. Remember, “When Thunder Roars, Go Indoors!”
- There are 1,800 thunderstorms in progress at any given time on Earth.
- Lightning has been known to strike 10 miles from the storm in an area of clear sky above.
- The longest bolt of lightning seen to date was 118 miles long. It was seen in the Dallas-Ft. Worth area.
- Lightning strikes 30 million points on the ground in a given year in the U.S.
- Lightning injures approximately 1,000 people each year.
- Half of all lightning fires and almost three-fifths of non-fire lightning strikes are reported in July and August.
- The deadliest U.S. fire started by lightning in recent years was the January 2006 West Virginia coal mine explosion that claimed 12 lives. The incident occurred approximately 2 miles from the mine entrance, when methane gas was ignited by a lightning strike that occurred a distance from the mine and followed a cable into the mine.
Electrical Safety Campaign Reminds Consumers that Lightning is an Underrated and Often Forgotten Hazard
When purchasing expensive home electronics how often do you consider the risk of lightning damage? Lightning likes technology, too. As our world becomes more and more tech-savvy, the losses from lightning strikes are increasing. Sensitive home electronics are often susceptible to damage by lightning, as a single bolt of lightning can cause electrical surges capable of damaging or destroying vulnerable electric equipment. Luckily, there are steps consumers can take to prepare their homes and protect their electronics against this unpredictable, yet common hazard. Since May is National Electrical Safety Month, the Lightning Protection Institute is reminding homeowners about the dangers of lightning, an underrated and often forgotten electrical hazard.
“When consumers purchase expensive electronics, lightning danger probably doesn’t even cross their minds,” said ESFI president Brett Brenner. “In reality, a single bolt of lightning can cause electrical surges capable of damaging or destroying sensitive equipment. Luckily, there are steps you can take to prepare your home and protect your electronics from this unpredictable, yet common hazard.”
Today’s homes and businesses have more electronic equipment than ever before, and metal building components are on the rise as well. Internal systems lead lightning toward more valuable, often irreplaceable items and unfortunately people are often put in close proximity with those systems.
A lightning protection system is the best way to dissipate the dangerous electrical discharge to eliminate damage to a structure. The system provides a network of low-resistance paths to safely intercept lightning’s dangerous electricity and direct it to ground without impact to the structure or its occupants. When lightning’s electricity is confined to a properly designed conductive path via the lightning protection system, damage is minimized or eliminated. When considering lightning protection, the Lightning Protection Institute (LPI) emphasizes the importance of contracting with a qualified and experienced LPI-certified specialist.
“LPI-certified specialists are trained to install systems in accordance with nationally recognized safety standards of LPI, NFPA and UL,” explained Bud VanSickle, executive director at LPI. “Quality control is paramount and installation is not a do-it-yourself project. Improper installation can lead to serious consequences, and in severe cses may be worse than not having protection at all.”
The Electrical Safety Foundation International (ESFI) sponsors National Electrical Safety Month each May to increase public awareness of the electrical hazards around us at home, work, school and play. ESFI is a 501 (c) 3 non-profit organization dedicated exclusively to promoting electrical safety. For more information about ESFI and electrical safety, visit www.electrical-safety.org.
Lightning Sparks Concerns for Insurance Industry and Property Owners as Storm-Related Claims Continue to Rise.
Lightning Protection Systems Can Safeguard Against Losses
Tornadoes, earthquakes, hurricanes, floods and wildfires have been responsible for major devastation in the U.S.over recent years, but intense lightning storms have also caused their share of share of damage and destruction. In fact, lightning strikes cost more than $1 billion in insured losses in 2010 – a significant increase from 2009, according to the Insurance Information Institute (I.I.I.).
An analysis of homeowners’ insurance data provided by the I.I.I. found there were more than 213,000 lightning claims in 2010, up nearly 15 percent from 2009. These losses ranged from damage to expensive electronic equipment to structural fires that destroyed entire homes.
The I.I.I. estimated the average homeowner lightning claim at $4,846 for 2010, while in 2009 the average claim totaled $4,296. The average cost per claim rose nearly 13 percent from 2009 to 2010 and more than 80 percent from 2004-2010, even as the actual number of claims fell by a little over 23 percent in the six- year period. (Note: claims costs for 2011 have not been released yet.)
The I.I.I. explained that the record losses were a result, in part, because of the large number of storms occurring in 2010 year. (According to the I.I.I., catastrophe losses in 2010 totaled $13.6 billion.)
Since 2010 was a record year for tornado activity, and tornadoes are usually accompanied by severe thunderstorms, it was not surprising that the number of such claims increased substantially.
According to the I.I.I., damage caused by lightning, such as fire, is covered by standard homeowners and business insurance policies. Some home and business insurance policies provide coverage for power surges that are the direct result of lightning striking a home or business. The I.I.I. also reminds homeowners that there is coverage for lightning damage under the comprehensive portion of an auto insurance policy.
How Homeowners Can Reduce their Risk of Lightning Damage:
- Have a lightning protection system installed for your home or business.
- Include protection for electrical, telephone, cable or satellite TV lines entering the structure.
- Make sure all equipment is UL-listed and properly labeled.
- Be sure the system is installed in accordance with the building(s) or structure(s), it should be designed and installed in accordance with accepted industry standards and with NFPA, LPI and UL requirements. Contact LPI-IP at www.lpi-ip.com for options re: affordable quality-control home inspection services.
- Check references and work with a qualified, LPI-Certified Lightning Protection Specialist. (A qualified specialist should provide a list of references and affiliation with industry groups such as NFPA, the United Lightning Protection Association, and the Lightning Safety Alliance(LSA).
- Experience counts. Be wary of start-up companies or contractors offering a “price deal” to install, fix or repair your lightning protection.
- When in doubt, contact. www.bbb.org to locate your local Better Business Bureau to obtain reliability report information on a contractor before you hire them.
Lightning protection systems are designed to protect a structure and provide a specified path to harness and safely ground the super-charged current of the lightning bolt. The system neither attracts nor repels a strike, but receives the stroke and routes it harmlessly into the earth, thus discharging the dangerous electrical event. A certified lightning protection system can protect your family and property and save you from an inconvenience and costly insurance claim.
FOR MORE INFORMATION ABOUT INSURANCE RESOURCES, VISIT: www.iii.org