Quote:
Originally Posted by Nucky
I have a whole house surge protector which got a test about two weeks ago. We had a lightning strike about 50 feet from our house. Most of the Electronic Equipment survived. The main victims were the LG Dual Oven and one computer that was charging at the time of the strike and the Xfinity Modem.
We learned that there was insurance one level above the one we had that would have covered everything. It wasn't available when we activated the Surge Suppressor Plan. It's a shame because I would have chosen the all-inclusive plan from Duke. Our plan only covers any item that has a motor in it. The better plan is only a few dollars more per month.
I never liked that stove anyway. I must say that Duke and their contractor, Advanced Electric of Leesburg have been responsive and have helped us out greatly. We appreciate them. I am grateful it wasn't the house that took the hit. We love this house. The most modest home we've ever owned turned out to be the most comfortable. Go figure. I sure could use a day without having to call them for something, I hope that is today.
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Just to clarify, the Duke insurance will only cover a power surge that comes through the surge device at the meter. This type of surge could be caused by lightning striking a nearby power line. But, it will not cover any damage from a direct lightning strike, or any surge in your telephone or cable lines. So, if lightning strikes your lamppost or any other part of your house directly, the Duke insurance will not cover the damage. Also, the Duke insurance coverage document was apparently written by a large team of lawyers because there are tons of special conditions and exclusions of coverage.