A friend bought a house owner's insurance which covers fire, flood and lightning damage to the house and electrical item outside the house.
In a storm, her automatic gate controller was struck. Her repair bill came up to four hundred over dollars. She called her insurance agent and found that she could file an application for claim. She took photos of how the gate could not open properly, the repairman opening up the box, and the burnt part in the box. Attaching a copy of the invoice, she sent in her claim for compensation.
Two weeks later, she heard that her claim was approved with a 10% deducted. Since it was troublesome to claim, she paid for a wooden box to be made to protect the controller. It remains to be seen if the added insulation would work.
For the contents in the house, one would need to buy a house-holder's insurance against burglary, flood and fire. If we desire to cover our television set, we need to pay extra for its protection. I have not even thought about such a clause, it seems easier to plug in the TV whenever I want to watch it. That way, no lightning could damage my TV.
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