Quote:
Originally Posted by spinner1001
Your many other posts about financial matters seem to indicate that you are risk adverse.
LPS lower catastrophic risk—-on average—-but the effect size is unknown because data are sparse given that lightning strikes are random. You seem to be willing to accept lightning strike risk, perhaps because the cost of a LPS is too high for you. That’s ok because it is a personal decision—-but not the decision of everyone. YMMV.
And, no, you are wrong that homeowner’s insurance will make you whole if your house suffers a catastrophic lightning strike. You did imply that in your earlier post in this thread. That’s just silly. Insurance will not make one whole for a catastrophic loss. But if you have REAL DATA (as you call it in your post above) to show otherwise, please share that data with us.
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In addition, when a house
without a Lightning Protection System (LPS) gets struck by lightning, it's generally known if the residents are home or a fire occurs or from the damage. When a house
with a LPS gets struck, it's usually a non-event. In almost all cases there will be no fire and maybe some minor damage. The Villages Lightning Study Group has 16 documented cases of residents with a LPS getting struck by lightning, all without any fire or damage to the home. In one case the owner witnessed the event. Additionally, large buildings and structures get hit all the time by lightning so we know these lighting protection systems do work. As far as surge protection, the same rules apply. Without surge protection you know you got hit because you have usually significant damage to appliances and electrical equipment. With surge protection you will never know you were hit because the surge protection system will block and or manage the surge. With the lightning strike at Sunset Pointe that happened last week, Len's home is about 900 ft from the house that burnt down and while other neighbors without surge protection had damage, Len's home which has the layered surge protection we recommend had none. No tripped breakers, no damage at all. Nothing is absolute. You just need the facts to make an informed decision which is specific to each individual's needs and situation.
I also want to answer the question concerning a device that measures the amount of lightning strikes at a home were a lightning protection system is installed. Yes, there are devices that do this function and one of our members has one on his home. It mounts to the grounding cable coming from the lightning protection system. The problem is these devices are very expensive and mainly used at commercial properties. As of this date, the home with the counting device installed has not been hit.
In Post #24 those homeowners decided to "take a chance" and unfortunately the odds were against them. I agree if you live in NY or anywhere else pretty much in the US, the chances of getting hit by lightning is very low to the point that you don't need to think about it unless you have a special situation. But, if you live here in Central Florida, where we have the most lightning strikes in the country, that is another situation and a reason to get all the facts and decide on whats best for you and your family.
I hope this addresses your questions.