Here is the problem with using data from the Insurance Information Institute they do not disclose how many of the 25 firms writing homeowners policies in Florida that they represent. Unlikely they represent mutual companies like State Farm and Citizens.
Another problem is how many claims are not reported that are under the deductible? If you only experience indirect lightning damage to electronics of a garage door opener or irrigation controller you are talking about $100 each not including the hassle of making the replacement. In a recent case a homeowner had an indirect strike taking out three TVs, washing machine, refrigerator, and coffee maker. This homeowner has a $5,000 deducible and said he would not file a claim because of the fear of a rate hike or worse. How many cases like these are repeated across the state?
If you download the free app My Lightning Tracker you can see where lightning is striking all around you. Fortunately, in most cases the strike is week and causes no damage. The stronger strikes can cause electronic damage and a few large ones can be catastrophic to a homeowner. It is all about your tolerance for risk that only you can decide.
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