When we think of summer weather phenomena, hurricanes are often top of mind. But in fact lightning occurs more frequently, affects more areas, and packs a huge – although different – punch. Lightning strikes without warning and, in an instant, can cause devastating structure fires, deaths and hundreds of millions in damage expenses – not to mention the threat to your personal safety. How much do you know about lightning? For example, would you know what time of day and month of the year most lightning occurs? It is worthwhile to know as much about this threat as you can so you are able to protect yourself and your family as well as your property.
ErieSense.com says: “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 percent of the lightning fires.”
Homeowners Insurance Tip
Would your Homeowners Insurance policy cover you for home fire and other property damage as well as personal injury that lightning could cause? If you can’t say yes without hesitation, perhaps it’s wise to contact your insurance agent for a review of your insurance policy to confirm that your Homeowners Insurance coverage is sufficient to protect your investment and cover your liability. Do it today – we never know when lightning will strike.
The William M. Sparks Insurance Agency in Lutherville - Timonium MD is a full service agency offering homeowners insurance, auto/car insurance, business/commercial insurance and life insurance to all of Maryland, Virginia and Pennsylvania since 1981. Our experienced insurance agents welcome your inquiries and are glad to discuss your coverage needs at any time.