The chances of a house being struck by lightning, in fact, are random, whether you have lightning rods or not. The difference is that lightning hitting a house with lightning rods is much less likely to damage the house than a one without lightning rods. Lightning rods are not a 100% guarantee lighting will not cause damage to your home, but they make the likelihood much lower.
But even here in central Florida, the chances of lightning striking of your house is pretty low and if it does happen insurance will cover most of the cost of repair. And even when lightning strikes a home it may do little or no damage. That happened to our house in Massachusetts and a friend's house in Maine.
So I don't think lightning rods make sense if all you want to protect against is the cost of repairing lightning damage.
The thing insurance won't make up for is lost time or the trauma of having lightning damage to your home. That's the reason we added them. We don't feel we have all that many years left, and we want to minimize the probability that we will spend months or longer fixing or replacing our home.
Last edited by Dan9871; 06-17-2019 at 09:27 AM.
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