Lightning protection insurance: legal information

This damage can be caused by a lightning strike without lightning protection

• In Germany there is a thunderstorm on a maximum of 35 days per year. In 2010, the Siemens lightning information service counted around 1,400,000 lightning strikes across the Federal Republic of Germany. Every single square kilometer experiences one to five lightning strikes annually.
• Direct lightning strikes can cause major damage to the building. In addition, it is not uncommon for a fire to occur.
• Note: It is not just direct impacts that destroy a lot. Each lightning bolt also indirectly generates strong energy that can destroy electrical lines within a radius of around two kilometers.
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• If lightning strikes within a radius of about two kilometers, your electrical cables can be destroyed by overvoltage. In addition, it is possible that all devices, such as computers, televisions or electrical devices that are connected to the power lines, are destroyed as well. Depending on how close the lightning strike occurred and the building conditions, devices can not only be destroyed by the overvoltage, but can also be set on fire.
• You can hardly prevent this. Protect yourself with a lightning protectioninsurance. You have claims against the insurance company if damage occurs.


Is a lightning rod compulsory? - You should know that

When building a house, one often wonders whether a lightning rod makes sense ...

• A lightning rod is generally not required in private households. On the other hand, hospitals, high-rise buildings and public buildings are required to install a lightning rod. In addition, building authorities can issue a condition according to which a lightning protection system must be installed. This often happens in buildings that are very prone to fire, such as barns and huts.

Insurance and legal information on lightning and surge damage

• Lightning protection insurance can be included in the fire and fire insurance. You can find out whether this is the case in the insurance policy. Unfortunately, often only building damage from fire and lightning strikes is protected. Check explicitly whether overvoltage damage to cables and devices is also covered by the insurance.
• Only a few household insurance policies protect against overvoltage damage. More than two thirds of household insurance policies explicitly exclude this in their policies. It is possible that the Household insurance Only regulated surge damage if you have installed a lightning rod. This disclaimer could also be included in your policy.
• If you are not insured against overvoltage damage to cables and devices under household, fire or fire insurance, you will need separate lightning protection insurance.
• You can with that Comparison portal Ronis Compare several suitable insurances. This is how you can easily find the cheapest insurance.
• When making your selection, be sure to pay attention to the amount of the insurance. Another important criterion is the amount of the contributions. You decide whether you prefer to have low premiums and agree on a deductible, or whether you prefer to pay higher premiums and not pay a deductible.