Originally Posted by dewilson58 (Post 2436351)

No problem with disagreeing on ToTV.

If documentation is completed correctly, stats from NAIC show claims are paid timely.....the issues of delays with funding rests with the policyholders. I assume the information is still out there some where.

No surprise it might take a year to get back in the house. Bids & removal of old house and even concrete. Bids, approvals & construction of new. Contractors are not sitting around and able to start a project at the drop of the hat.

In other insurance threads I'm a preacher of reading policies, and recommend looking at Chubb Insurance. Couple Chubb examples: I had a "smaller" claim for $75k. Did paperwork and had a direct deposit within 72 hours with an email stating, if you need more, you have a surprise, let us know. A neighbor had a complete lightning loss. Before the neighbor completed the paperwork, Chubb sent them a check for $25k for temp living expenses. & then very positive process for the claim itself.

:beer3:

Originally Posted by Altavia (Post 2434142)

In addition, particularly for new homebuyers, it is crucial to consider the potential risk of metal CSST gas lines being installed in the attic.

Manufacturers of the gas lines recommend the installation of lightening mitigation systems to mitigate the lightening strike risks associated with attic CSST gas lines in Florida.

Risk Of Lightning-Based Fires With CSST Gas Lines

Originally Posted by Craig Vernon (Post 2436446)

CSST (corrugated stainless-steel tubing) requires bonding by code specifically for lightning mitigation. Further new building codes require bonding of all metal surfaces for the same purpose. Just FYI.

Originally Posted by jrref (Post 2436431)

Are these cases here in the Villages and fairly recent? If so, we would like to talk to these people to get some insight to help others since all we have seen is the exact opposite. Granted, insurance instantly got the remediation folks out there and gave the homeowner money to relocate and live but the whole experience to rebuild the home seemed to be arduous. I can't believe all six homes destroyed just last year had homeowners who didn't know what they were doing with their insurance but maybe. But I agree, some people are under insured and some don't have replacement value on the personal property, etc, and some want damage like the roof re-done vs repair so I agree you need to read and understand your insurance vs just going with the lowest quote. But yours and your friends experience seem to indicate it was no big deal so in your case why spend any money on a lightning protection system and even any surge protection if the insurance is going to come right in and rebuild your home quickly and with very little effort from the homeowner? It may be a plus since you can get everything new?

Originally Posted by jrref (Post 2434831)

The cost to install a lightning protection system is relatively inexpensive compared to the value of your home and the cost to repair or replace it if it ever gets struck and burns down. Especially if you are a snow bird.

From what we have seen, if you are home when your house gets struck and you call the fire department ASAP, there is a good chance they will be able to save your home. But if you are away, then you are relying on your neighbors to notice the fire and call the fire department and by then it's usually too late and the fire most likely will burn down your home.

At the fire at Winiford recently, it was interesting in the Villages News article, they specifically said the fire department got there and prevented the huge fire from spreading to adjacent homes. This meant by the time they got there the house was lost and they focused on collateral damage. That's my interpretation from that comment in the article.

So, If you want to take your chances, remember these people below felt the same and and lost the gamble. Every home here in the Villages should have Lightning and surge protection given we live in the lightning capital of the USA. If your home gets hit by lightning, it will be a life changing event for you and your family.

Originally Posted by Velvet (Post 2436503)

Just wondering, if it was so critical, why would the developer not have installed it in the first place? It’s not like they don’t know the weather in TV…

Originally Posted by Velvet (Post 2436503)

Just wondering, if it was so critical, why would the developer not have installed it in the first place? It’s not like they don’t know the weather in TV…

Originally Posted by Altavia (Post 2436543)

The Villages invests in LPS on all critical infrastructure. Many of the buildings in the squares, pump stations, fire houses, etc.

So maybe it depends on if you consider the place you sleep is a critical infrastructure.

Originally Posted by CFrance (Post 2436555)

Because somehow the law did not include one- and two-family dwellings.


https://www.floridabuilding.org/fbc/...affcomment.htm

Originally Posted by Bill14564 (Post 2434847)

That's a rather hard sell.

Every home in the US would benefit from a LPS if that home happened to be struck by lightning, but what are the real odds of that? Those five pictures looked pretty bad, were they all from this year? All from the last 12 months? If you zoomed out a few times in google maps would you even be able to find those five rooftops?

I think of an LPS like a seatbelt, motorcycle helmet, travel insurance, or extended warranty: I have never benefited from any of these but I would kick myself if I needed one and didn't have it.

The odds are that a particular home will never be hit by lightning
The odds of a home being hit by lightning in Florida are a bit higher than most of the rest of the country
Lightning *does* hit homes and mine could be the next to be hit
My insurance will/should cover the loss
My insurance has a deductible which might be higher than the cost of an LPS
While the loss will/should be covered, there is a cost for the aggravation and inconvenience of fixing and replacing
I don't have an LPS now but am strongly considering one after I have my roof replaced

Originally Posted by Altavia (Post 2436543)

The Villages invests in LPS on all critical infrastructure. Many of the buildings in the squares, pump stations, fire houses, etc.

So maybe it depends on if you consider the place you sleep is a critical infrastructure.

Originally Posted by Velvet (Post 2436608)

Does the Developer? I am not arguing with the benefit of LPS, I am just wondering why aren’t the homes built with it, especially knowing that most people come from places that are not “lightning capitals” so would not be thinking about this at all.