Retiredguy123, I agree with your statements, this is why I have several UL rated surge suppressors. Also, there was a previous thread (I think) about the failure to cover a claim for a refrigerator where the utility claimed the surge came in through the water line. I do not recall the details, but, yes I agree probably not a lot of claims paid.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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