About the Lightning Protection Institute
The Lightning Protection Institute (LPI) is a not-for-profit nationwide group founded in 1955 to promote lightning safety, awareness and education and is a leading resource for lightning protection installation in accordance with national safety standards. LPI certifies individuals for the installation of lightning protection systems through a Master Installer testing program to qualify competence. LPI supports lightning protection quality control and assurance through third-party inspection. Information about follow-up inspection services can be found at www.lpi-ip.com. For a list of certified contractors visit the LPI website at www.lightning.org.
About the Insurance Information Institute
The I.I.I. is a nonprofit, communications and research organization supported by the insurance industry.
The mission of the Insurance Information Institute (I.I.I.) is to improve public understanding of insurance—what it does and how it works. For more than 50 years, the I.I.I. has provided definitive insurance information. Today, we are recognized by the media, governments, regulatory organizations, universities and the public—as well as within the insurance industry itself—as a primary source of information, analysis and referral concerning insurance issues.
Visit www.iii.org for more information.
About the Lightning Safety Alliance
The Lightning Safety Alliance (LSA) is a non-profit, non-stock national business corporation comprised of lightning protection manufacturers, distributors and installers. Its purpose is to provide a comprehensive and focused evaluation and response to legislative, administrative and regulatory issues facing the industry. Additionally, the LSA acts as an informational clearinghouse for its membership and provides educational programing on lightning protection and lightning safety. Visit www.lightningsafetyalliance.org for more information.
About the National Oceanic and Atmospheric Administration
NOAA understands and predicts changes in the Earth’s environment, from the depths of the ocean to the surface of the sun, and conserves and manages our coastal and marine resources.
About NOAA’s National Weather Service
The headquarters of the National Weather Service is located in Silver Spring, MD. With some 5,000 employees in 122 weather forecast offices, 13 river forecast centers, 9 national centers, and other support offices around the country, NWS provides a national infrastructure to gather and process data worldwide. Each year, NWS collects some 76 billion observations and issues approximately 1.5 million forecasts and 50,000 warnings.
I. WHAT IS LIGHTNING?
- Lightning is a visible electrical discharge that occurs within a cloud, between two clouds, or between a cloud and the surface of the earth.
- As lightning passes through the air it heats the air quickly. This causes the air to expand rapidly and creates the sound wave we hear as thunder. Normally, you can hear thunder about 10 miles from a lightning strike.
Source: National Oceanic and Atmospheric Association (NOAA) www.noaa.gov
Where, When and How Often Does Lightning Strike?
- Average number of thunderstorms on Earth at any given moment: 1,800
- Number of times lightning hits the Earth per second: 100
II. LIGHTNING INJURIES AND FATALITIES
Lightning can occur during any time of the year, but lightning casualties are highest during summer. July is generally the month with the most lightning. Lightning strikes often occur in the afternoon. Two-thirds of all lightning casualties occur between 12-6pm.
- Males are five times more likely than females to be struck by lightning; around 85% of lightning fatalities are men.
- People aged 15–34 years account for almost half of all lightning strike victims (41%). The majority (89%) of lightning deaths occur among whites.
- About one-third (32%) of lightning injuries occur indoors.
III. FIRES CAUSED BY LIGHTNING
From 2007 to 2011 local U.S. fire departments responded to an average of 22,600 fires per year that were started by lightning. These fires caused an average of nine civilian deaths and $451 million in direct property damage per year. Home fires accounted for 19% of the lightning fires, fires in non-residential structures, including businesses and other non-residential properties, accounted for 7%, vehicle fires accounted for 1%. The remaining 73% were in outdoor and unclassified properties.
Lightning fires in non-residential properties caused an average of $108 million in direct damage each year from 2007-2011. The average annual damage in non-residential properties includes:
- $28 million in storage/facilities
- $22 million in places of assembly, such as houses of worship and restaurants
- $19 million in non-home residential properties such as hotels and motels
- $15 million in mercantile and business properties such as offices, specialty shops and department stores
- $15 million in industrial and manufacturing facilities
- $3 million in miscellaneous properties
Source: National Fire Protection Association NFPA
IV. LIGHTNING-RELATED HOMEOWNER LOSSES
Source: Insurance Information Institute, State Farm
V. WHAT IS A LIGHTNING PROTECTION SYSTEM?
The highly conductive copper and aluminum materials used in a lightning protection system provide a low resistance path to safely ground lightning’s dangerous electricity. When the lightning protection network is in place, the lightning strike is intercepted and directed to ground without impact to the structure, occupants or contents.
A lightning protection system that meets national safety standards of NFPA 780 and UL96, UL96A includes the following elements:
- Strike termination network (air terminals or lightning rods)
- Down-conductor network
- Grounding electrode network
- Equipotential bonding network
- Surge protection devices (for all incoming power, data and communication lines)
Failure to make proper provisions for special grounding techniques, or any of the above five elements can result in inadequate protection.
Source: Lightning Protection Institute
The average lightning claim for homeowners = $5,869
The average cost of a lightning protection system = $1,500 to $4,200
Source: Insurance Information Institute, State Farm
HOW EFFECTIVE ARE LIGHTNING PROTECTION SYSTEMS?
Lightning Protection Systems are highly effective at preventing lightning damage to buildings. A number of authorities have studied the benefits and reported on them, including:
- In January 2003 the American Meteorologist Society issued a Bulletin endorsing the lightning protection requirements, stating, “It is now well established that properly installed and maintained lightning rod-based protection systems significantly decrease lightning damage.” Source:Lightning-risk.org
- In 2001 a joint paper was issued by lightning experts at the U.S. Army, Navy, Air Force, Nat’l Severe Storms Laboratory, Defense Explosives Safety Board, Dept of Energy, NASA and FAA. This paper underscores the critical role that lightning protection systems play in protecting our national infrastructure. Source:Lightning-risk.org
Most lightning victims are steps away from lightning safety, so don’t be apathetic about lightning. Remember, When Thunder Roars, Go Indoors!
You are not safe anywhere outside. Run to a safe building or vehicle when you first hear thunder, see lightning or observe dark threatening clouds developing overhead. Stay inside until 30 minutes after you hear the last clap of thunder. Do not shelter under trees.
If it’s not possible to shelter indoors or in a vehicle, these actions may reduce your chances of being struck by lightning:
- Avoid open fields, the top of a hill or a ridge top.
- Stay away from tall, isolated trees or other tall objects. If you are in a forest, stay near a lower stand of trees.
- If you are camping in an open area, set up camp in a valley, ravine or other low area. Remember, a tent offers NO protection from lightning.
- Stay away from water, wet items (such as ropes) and metal objects (such as fences and poles). Water and metal are excellent conductors of electricity. The current from a lightning flash will easily travel for long distances.
- The vast majority of lightning injuries and deaths on boats occur on small boats with NO cabin. It is crucial to listen to weather information when you are boating. If thunderstorms are in the forecast, do not go out. If you are out and cannot get back to land and safety, drop anchor and get as low as possible. Large boats with cabins, especially those with lightning protection systems properly installed, or metal marine vessels are relatively safe. Remember to stay inside the cabin and away from any metal surfaces. Stay off the radio unless it is an emergency!
- Avoid contact with corded phones
- Avoid contact with electrical equipment or cords. If you plan to unplug any electronic equipment, do so well before the storm arrives.
- Avoid contact with plumbing. Do not wash your hands, do not take a shower, do not wash dishes, and do not do laundry.
- Stay away from windows and doors, and stay off porches.
- Do not lie on concrete floors and do not lean against concrete walls.
- Unplug electrical equipment
Source: National Weather Service Office of Climate, Weather, and Water Services
To prepare for a thunderstorm, you should do the following:
- To begin preparing, you should build an emergency kit and make a family communications plan.
- Remove dead or rotting trees and branches that could fall and cause injury or damage during a severe thunderstorm.
- Postpone outdoor activities.
- Remember the 30/30 Lightning Safety Rule: Go indoors if, after seeing lightning, you cannot count to 30 before hearing thunder. Stay indoors for 30 minutes after hearing the last clap of thunder.
- Secure outdoor objects that could blow away or cause damage.
- Get inside a home, building, or hard top automobile (not a convertible). Although you may be injured if lightning strikes your car, you are much safer inside a vehicle than outside.
- Remember, rubber-soled shoes and rubber tires provide NO protection from lightning. However, the steel frame of a hard-topped vehicle provides increased protection if you are not touching metal.
- Shutter windows and secure outside doors. If shutters are not available, close window blinds, shades or curtains.
- Unplug any electronic equipment well before the storm arrives.
National Electrical Safety Month Reminder: Surge Protectors Alone are Not Designed to Handle a Direct Lightning Strike!
May 9, 2014 — May is National Electrical Safety Month and the Lightning Protection Institute (LPI) is joining the Electrical Safety Foundation International (ESFI) to raise awareness about the importance of electrical safety. Naturally, our focus is lightning. Lightning is an underrated and often forgotten electrical hazard, even though the most powerful electrical surges are typically caused by lightning.
Lightning is the rapid discharge of atmospheric electricity that can pack up to 200 kA of electric energy (100 million volts of power). A lightning strike to an unprotected structure can be disastrous and a single incident can cost thousands of dollars, with losses ranging from damage to expensive electronics to fires that destroy entire buildings. No surge protection device or “whole-house” arrester alone can protect a structure from a direct lightning strike packing mega electric energy. A grounding network for lightning must be implemented, as well to provide structural protection.
Prior to the age of electronics, the threat to structures from lightning was primarily fire-related. Enhanced communications lines, power and generation systems and gas and water piping have since created induction problems for today’s structures, allowing lightning’s access through energized lines or system grounds. Decades ago, the introduction of low voltage wiring and electronically controlled building components presented a new vulnerability to lightning. To address these concerns, lightning protection standards were updated in the 1990’s, thus adding provisions for grounding and new criteria for lightning arresters and surge protection devices.
Now fast forward to 2014 and lightning protection is meeting the needs of safety, technology and design. National safety standards for lightning protection systems call for practical and tested solutions to protect a structure, its occupants, contents, equipment and operations. A complete system includes: strike termination devices, conductors, ground terminals, interconnecting bonding to minimize side flashing, and surge protection devices for incoming power, data and communication lines to prevent harmful electrical surges. Additional connectors, fittings or bonding for CSST gas piping may be required and surge protection devices for vulnerable appliances may be needed, as well. The grounding network provided by a properly installed system is a total package protection approach. In a nutshell:
Surge protection + grounding network = lightning protection.
So while you’re enjoying the May flowers, make sure your lightning protection complies with recognized safety standards of LPI, NFPA and UL. The Electrical Safety Foundation International (ESFI) sponsors National Electrical Safety Month each May to increase public awareness of electrical hazards. For more information about ESFI and electrical safety, visit www.esfi.org
April 10, 2014 — It’s unlikely that you’d hire a roofer to service your appliance repairs or contract with a plumber to handle electrical wiring for your home or business. So, isn’t it common sense to apply the same logic for your lightning protection system installations? After all, a single bolt of lightning can generate up to 200 kA of electrical energy. Grounding for that magnitude of electricity requires special expertise and strict adherence to safety standards. Surely, it’s important to insist on quality control when allocating money to protect your important investments against mega electricity!
Lightning protection specialists aren’t the only professionals communicating reminders about quality control. The International Association of Electrical Inspectors (IAEI) reiterated the importance of LPI-certified and UL listed installers for lightning protection applications. IAEI devoted a new chapter called “The Fundamentals of Lightning Protection” to its 10th edition of the “Soares Book on Grounding and Bonding” in 2008, which was updated and expanded in the 11th edition, released in 2011. The handbook now includes a reminder to electrical contractors that “installation of a lightning protection system is much different from the installation of electrical service wiring.” (Remember, there’s electricity and then there’s mega LIGHTNING electricity!)
According to the Soares handbook: “specialized material and installation methods such as that specified in NFPA 780 and UL 96 are required and the system should only be installed by qualified personnel trained and certified in the installation of lightning protection systems.”
A third-party, independent lightning protection inspection service, such as UL or the LPI-IP Inspection Program can ensure quality control for residential and commercial systems. The LPI-IP Inspection Program is serving a growing need for property owners, insurers and builders as a comprehensive third-party quality control approach for commercial and residential lightning protection projects. The LPI-IP Inspection Program is accepted in MasterSpec as a quality control inspection option for lightning protection. More information about the program is available at the LPI-IP web site at www.lpi-ip.com.
Lightning protection is a specialty service, so electricians, roofers and general contractors aren’t the best sources for up-to-date information about lightning protection. Business and homeowners need to contact an experienced, LPI-certified lightning protection specialist for reliable service that meets industry requirements. The LPI-certified specialist will know how to interpret the safety standards, as well as provide the proper third-party inspection requirements for quality assurance closeout.
Perhaps Benjamin Franklin, the inventor of the first lightning rod, provided the best advice about quality control when he said, “Beware of little expenses. A small leak will sink a great ship.”
Yes, the devil is often in the details, so don’t let April thundershowers sink your ship! Stay ahead of the storm by insisting on quality lightning protection from a reputable, experienced specialist to safeguard those property investments; especially your home, trees and business structures.
Questions & Answers about Lightning Protection Inspections: Why Third Party Review is Important for your System!
March 11, 2014 — Just as inspections are a standard practice in the world of construction, it’s understood in the lightning protection industry that lightning protection systems must be inspected following completion of their installation. Third party inspection is the cornerstone for quality assurance. Independent review provides the purest evidence that the installing contractor has met all industry guidelines and complied with recommended practices and safety standards for the lightning protection.
Since lightning protection is a specialized industry, it can be difficult for the owner or project manager (PM) to know what to expect when in comes to third party lightning protection inspections. Here are a few guidelines to help demystify the inspection process:
Why do I need the lightning protection system inspection?
The lightning protection is an important amenity which provides protection against a leading cause of property damage. The third party inspection can identify the need for system oversights, repairs or recommended maintenance. An independent inspection provides peace of mind to ensure materials and methods comply with recommended practices and industry safety standards.
Do I need to be onsite or present for the inspection?
If possible, it’s always a good idea for an owner or PM to be onsite during the lightning protection inspection. This gives the owner or PM an opportunity to observe the inspector and understand more about the system and its components. It’s likely that the lightning protection contractor will want to be present, as well, in the event that minor repairs or upgrades to the system are needed.
What if the inspection report reveals problems or issues with the system?
Depending upon the project, the inspector will issue a certification or report several days/weeks after the inspection. Most lightning protection contractors address installation repairs or issues during the inspection, but if this is not feasible; the inspector will forward a variance or noncompliance letter to the contractor. This variance report summarizes issues and corrective measures needed for system compliance. A follow-up inspection or appropriate documentation of corrective measures is typically required to verify compliance so that inspection certification can be issued.
How much do inspections cost?
Lightning protection inspection services typically base their costs on the perimeter size of the structure. Geographic factors may need to be considered and minimal fees for additional services such as ground tests or follow-up reports, may apply, as well. It’s always a good idea to ask about inspection costs, as well as professional affiliations and references prior to contracting with the lightning protection installer. While a third party inspection may add an additional cost to the contract, it shouldn’t be a deciding factor with the consumer. Quality assurance often comes with a small price, and as we know, the lowest priced services don’t always equate to a bargain.
What do I need to know about guarantees and warranties for lightning protection?
Most reputable contractors will provide warranty information and industry recommendations for periodic inspections and follow-up services, but beware of a contractor who advertises guarantees for services; especially guarantees pertaining to third party inspections. Time tables and arrangements for third party inspections are controlled by the inspection entity (LPI-IP or UL) and not mandated by the lightning protection installer—it’s called an independent inspection service for a reason! As always, buyers should beware of contractors who make promises or guarantees that sound too good to be true.
Lightning protection is one of the least expensive improvements you can purchase for your home or business, yet it offers the best type of insurance—peace of mind. An experienced LPI-certified lightning protection specialist will ensure your system is installed using UL-listed materials and make sure methods comply with national safety standards of LPI, NFPA and UL.
The LPI-IP Inspection Program provides system certifications with a three-year expiration date to complement the NFPA three-year code review process and keep pace with new technology. More information about the inspection service is available at the LPI-IP web site at www.lpi-ip.com.
Is Your Lightning Protection Due for a Check-up? Why Maintenance is Key to Ensuring a Safe and Effective System.
February 12, 2014 — Media accounts of lightning striking a station tower at Baltimore’s main airport and injuring an air traffic controller last September have exposed new safety concerns for airports. Has this incident exposed a vulnerability at our country’s airports, where air traffic controllers are called upon to coordinate thousands of flights each day? The Federal Aviation Administration (FAA) stated that the incident was “a first of its kind in FAA history,” but given the frequency of lightning in the U.S., a practical risk assessment surely makes sense.
NFPA 780 Standard for the Installation of Lightning Protection Systems 2014 Edition is a valuable source for performing a detailed lightning risk assessment methodology to determine the risk of damage or injury due to lightning. Since the FAA is now planning an investigation of lightning protection at airport towers throughout the country, the NFPA Standard and risk assessment guide can serve as a valuable tool for this review.
The incident certainly underscores the importance of functional lightning protection to keep structures and occupants safe during thunderstorms, but perhaps more notably, this incident has exposed the importance of maintenance and safety standard compliance for these systems.
So what kind of “TLC” is needed for lightning protection systems? Industry recommendations call for a visual inspection to be performed annually, with an in-depth inspection and follow-up quality assurance certification or report provided every three to five years. Critical systems (airports certainly apply, here), may need to be inspected every one to three years, depending on activity, occupancy or the environment where the protected structure is located.
In addition to routine maintenance inspections, lightning protection systems should be inspected whenever any alterations, repairs, re-roofing or modifications are made to a protected structure. A certified LPI lightning protection specialist can repair or modify the system and order a follow-up inspection to ensure continuity of the system and continued compliance with industry safety standards.
Then there is the problem with old systems. What if your structure is equipped with lightning protection and you don’t know how long ago the system was installed? Do you know if the system complies with national safety standards of LPI, NFPA and UL? If no one can answer these questions, it’s time to schedule a lightning protection system inspection and maintenance check for the structure. If the system has antique equipment, cable, rods or grounds, an upgrade is in order, as old and deteriorated lightning protection components can pose an unsafe condition.
Here are a few important provisions of a lightning protection maintenance check list:
- Inspection of all air terminals to ensure none are bent, cracked, broken or otherwise damaged.
- Refastening and tightening of components and conductors where required.
- Check for loose, damaged or cut cable connections; check connectors and splice fittings to ensure all leads are firmly connected with no loose ends.
- Ensure through-roof connectors are firm with roof conductors and attached according to industry standards and cable holders and anchors remain firmly attached with proper spacing and runs secured.
- Continuity tests and measurement of system resistance and grounding electrodes.
- Inspection and testing of surge protection devices.
- Confirmation that no part of the system has been weakened by corrosion or vibration.
- Follow-up inspection (recommended every 3-5 years, or as structural changes and/or re-roofing necessitates) to ensure overall installation methods and materials comply with industry safety standards.
- Risk assessment methodology (NFPA 780 Annex L) to determine if additional structures on the property are at risk to lightning.
Lightning protection technology requires expertise for system design, installation and quality control. A preventative approach to lightning protection maintenance is important for all protected structures, but especially crucial for airports and critical facilities. Lightning protection system defects caused by age, disconnections, severe weather events, structural neglect, or outside contractor traffic can pose safety problems. An experienced, LPI certified lightning protection specialist can address these safety problems and provide a quality control maintenance inspection to ensure that age, mechanical damage or modifications to the structure do not degrade the system.
If you suspect your structure’s lightning protection system is in need of a little TLC, contact your local LPI expert http://www.lightning.org/installers/ to schedule a maintenance check-up, or contact the LPI-IP office: firstname.lastname@example.org for information about quality assurance inspection services.
Tending to the Trees! How Lightning Protection Provides Sustainability to Keep Trees Healthy & Green
January 16, 2014 — “They are beautiful in their peace, they are wise in their silence. They will stand after we are dust. They teach us, and we tend them.”
– Galeain ip Altiem MacDunelmor
Are you tending to your trees? Even if you aren’t a full-fledged tree-hugger, you probably know that lightning is nature’s predator. Lightning damages and kills more trees than we can account for in the U.S. A single bolt of lightning can carry 100 million volts of electricity, so unless a tree is equipped with a lightning protection system, it can be extremely vulnerable to damage by lightning. Lightning can injure the tree from a direct hit or side flash (lightning jumping from a nearby object), and problems can vary from light limb damage, to total annihilation.
Lightning’s electrical charge can boil the liquid sap, causing natural gases in the tree to expand, which in turn cause the bark to split open or the tree to literally explode. Lightning’s current utilizes the high resistance wood as a conductor, causing massive damage as it transverses the non-conductive elements of the tree on its way to ground. In some instances, the only evidence of a lightning strike may be the internal browning of the xylem (water-conducting woody tissue), which causes a gradual decay of the tree.
Here are a few commonly-asked questions about trees, lightning and lightning protection:
Q. Are there risk factors or conditions that apply regarding a tree’s vulnerability to lightning?
A. Geographic location, species/type of tree and height are factors that may apply. According to agricultural specialists, lightning is most likely to strike trees under these conditions:
- lone trees
- tallest trees in a group or tallest tree at the end of a group of trees
- trees growing in moist soil or close to a body of water
- trees closest to a building or structure
Q. Are some trees more vulnerable to lightning than others?
A. Trees most vulnerable to lightning (those with high starch content) include: maple, ash, poplar, pine, oak, hemlock, elm and sycamore. Large oak trees are often vulnerable due to their size or prominence. Trees less vulnerable (those with high oil content) include: birch, beech and chestnut.
Q. Why should property owners consider lightning protection for trees?
A. Any trees that are valued for landscaping, sentimental or historical reasons should be protected, including those trees which add aesthetic value to the property.
Q. How does a lightning protection system protect a tree from damage?
A. A copper cable and grounding system is used to intercept lightning’s harmful electricity and conduct it safely underground and away from the tree, so that no damage occurs to the wood or the roots. The principle employed for tree lightning protection (in accordance with national safety standards of LPI-175, NFPA 780 and UL-96A), is the same used to protect structures, homes and buildings.
Q. Does the tree lightning protection system also provide protection for nearby structures on the property?
A. No. The system provides protection for the tree only. Separate lightning protection systems should be considered to protect structures on the property.
Q. What kind of maintenance is needed for a tree lightning protection system?
A. An annual visual check of the tree should be made by the property owner or maintenance manager to ensure all elements of the system remain connected and in place. Occasionally, additional cable runs, air terminals or grounding components may need to be added to accommodate tree growth. It’s also important to check lightning protection cables at the base of the tree to ensure no system interruption or damage has occurred from weed trimming, lawnmowers, or ground excavation.
Q. Who can install the lightning protection system?
A. Be sure to contact a UL-listed, LPI-certified lightning protection specialist or a qualified arborist to ensure your system is installed in accordance with national safety standards.
In most situations, a tree struck by lightning will continue to decline over time and eventually require removal. A tree usually succumbs to disease or death more quickly if the lightning strike passes completely through the trunk (streaks of splintered bark are typically visible on both sides of the tree when this occurs). Most often, owners will notice signs of decay within two weeks of a lightning strike. Since few trees survive a direct lightning strike, it may be good insurance for property owners to consider lightning protection for vulnerable trees, specimen trees, historic trees or trees over public shelters.
So if your tree is vulnerable to nature’s destructive hazard, a lightning protection system could be the best hug you could give to keep it green and healthy for years to come!
December 19, 2013 — The oldest and most comprehensive safety standard for lightning protection has been updated to address several new industry developments. The recently-released 2014 edition of NFPA 780, Standard for the Installation of Lightning Protection Systems includes several new applications and requirements for projects specifying lightning protection.
NFPA 780 was adopted by the Lightning Protection Institute (LPI) long ago as a reference for the organization and its members. This important safety standard provides valuable resource information for AHJs, project designers, engineers, insurance professionals and anyone responsible for protection of lives and property from dangers associated with lightning. The 2014 document addresses the newest lightning protection applications and provides updated resource material for known safety challenges. NFPA-780 continues to serve as the basis for the LPI-175 reference document, used by LPI-certified designers, installers and inspectors.
The 84 page document includes new references and sections to address applications including:
Realignment of requirements for strike termination devices (air terminals or lightning rods).
- Consolidation of bonding requirements (to reduce potential differences created by lightning currents), and coordination with current NEC requirements.
- Fixed metal objects on buildings with movable or rotating metal components (examples include: cranes, wind socks, observatories, traffic cameras, radar dishes, and opening skylights).
- Lightning protection criteria and guidance for airfield lighting circuits.
- Lightning protection guidance for solar systems and arrays (frequently installed on roof tops where risk of exposure is greatest), which addresses the increased demand for renewable and alternative energy sources.
- Changes to requirements for catenary systems (a lightning protection system consisting of overhead wire/s), and applications to improve protection of open areas.
- A change back to preferred measurements in inch-pound units from metric.
- Revision to include structural protection for electric generating plants.
- Clarification that new requirements are retroactive to existing systems only when specifically noted.
The 2014 edition of NFPA 780 was prepared by the Technical Committee on Lightning Protection and issued by the Standards Council last June to immediately supersede all previous editions of the document.
November 27, 2013 — Did you know that disaster safety experts estimate that for every dollar a homeowner invests in mitigation, the return can yield up to seven times the amount in measurable savings? So to use lightning protection as an example, a $3,000 lightning protection system can save a homeowner over $20,000 in damages connected with a single lightning strike or surge event. And if the lightning strike results in a structural fire, the damage costs are likely to escalate well beyond that $20,000 figure.
While homeowners can’t be sure when or where a disaster will strike, they can certainly take measures to plan ahead and increase home safety. Benjamin Franklin, the inventor of lightning protection, may have said it best with his famous quote, “An ounce of prevention is worth a pound of cure.”
Now it looks like an incentive may be on the horizon for homeowners who are willing to take that ounce of prevention.
The “Disaster Savings Accounts Act of 2013” is a proposed federal legislation introduced in October by U.S. Representative Dennis Ross that would help Americans pay for disaster mitigation and preparedness tax-free. The Disaster Savings Accounts Act of 2013 would allow homeowners to deduct up to $5,000 per year through tax-preferred “disaster savings accounts” to use for expenses related to the mitigation of natural disaster risks, including earthquakes, floods, hail, hurricanes, power outages, tornadoes, wildfires and yes, lightning!
In the words of Congressman Ross, “This legislation will give families more tools to invest in their safety and resiliency, and will help contribute to a potential reduction in the economic costs of natural disasters.”
Here is an Official Summary (as listed on a website connected with Congressman Ross) of the Legislation:
Disaster Savings Accounts Act of 2013 – Amends the Internal Revenue Code to:
(1) establish tax-exempt disaster savings accounts to pay the expenses of homeowners for equipment and materials for mitigating the effects of a natural disaster,
(2) allow a deduction from gross income (above-the-line deduction) up to $5,000 (adjusted annually for inflation) in a taxable year for cash contributions to such accounts, and
(3) set forth tax rules for account distributions and failure to report on disaster savings accounts.
The proposed legislation is receiving support from mitigation experts such as: Federal Alliance for Safe Homes-FLASH, Florida Insurance Council, The Home Depot, Kohler, RenaissanceRe and Simpson Strong-Tie. LPI joins these experts in support of the legislation and is urging industry members and partners to support the Disaster Savings Accounts Act of 2013.
It’s a certainty that Mother Nature will strike again and again. The question is: will we be better prepared for the next weather event? If homeowners remember Benjamin Franklin’s ounce of prevention advice, they can be better prepared.
As we count our blessings this Thanksgiving, let’s enjoy a little savings and a lot of peace of mind by supporting the Disaster Savings Accounts Act of 2013!