There have been 13 Villagers with lightning rods who have reported a direct strike to their homes. None experienced a fire or any structural damage. Some did experience damaged electronics especially where there was incomplete surge protection.
There are no guarantees. Lightning is highly unpredictable and anything manmade can fail. Over the years various studies have been conducted on lightning rod failures and the typical cause is neglect and lack of maintenance. They have no moving parts but every three to five years you should have your installer check out the system - immediately if you believe that you have been struck or have added on or re-roofed. Lightning rods have been successfully used now for over 250 years.
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