Triple-I Weblog | Past Hearth: Triple-I Interview Unravels Lightning-Threat Complexity


Lightning is a extra complicated peril than it’s usually given credit score for being, in accordance with Tim Harger, govt director of the Lightning Safety Institute (LPI). In a current interview with Triple-I CEO Sean Kevelighan, Harger mentioned the significance of getting ready for and stopping injury from this danger, which is second solely to flooding in terms of expensive climate occasions.

Folks usually take into consideration hearth injury when they consider lightning. However Harger mentioned, “Past the hearth is the destruction {of electrical} wires and infrastructure that helps every thing we do to speak and to conduct enterprise.”

If lighting strikes any of those constructions, he mentioned, “Exercise is stopped.”

Harger cited the case of an East Coast furnishings producer that was struck.

“That one lightning strike value them simply over 1,000,000 {dollars} in injury,” he mentioned. “Sure, there was the standard hearth that induced structural injury, however what was impacted on the ‘inside’ was much more expensive. That they had broken stock, manufacturing downtime, and lack of income in the course of the repairs.”

Funding in a lightning safety system might have saved this enterprise proprietor – and his insurer – the million {dollars} misplaced and prevented enterprise interruption. Practically $1 billion in lightning claims was paid out in 2018 to virtually 78,000 coverage holders, in accordance with LPI.

“Lightning strikes a few 100 occasions each second,” Harger mentioned. “When put in correctly, lightning safety methods are scientifically confirmed to mitigate the dangers of a lightning strike.”

 A lightning safety system consists of six elements: 

  • Strike termination system,
  • Conductors,
  • Grounding,
  • Surge safety,
  • Potential equalization, and
  • Inspection. 

Architects and engineers play an necessary position in specifying and designing these methods, and set up is accomplished by licensed lightning safety contractors. When correctly put in lightning is intercepted by the strike termination system and vitality is routed by the conductors and into the grounding system, stopping influence to the construction or electrical infrastructure.

“Companies already set up hearth alarms and sprinkler methods to mitigate higher dangers of fires,” Harger mentioned. “Lightning safety methods forestall a lightning strike from inflicting any injury. So the funding in a lightning safety system prevents private harm and the expensive influence of even one strike.”

A number of insurers provide premium reductions for policyholders who put money into lightning safety methods. LPI invitations insurance coverage suppliers who’re concerned with sharing their buyer incentives to contact them at


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