Lightning Damage to Circuitry
Insurance companies can be great, and sometimes they can be exceptionally difficult to deal with.  When it comes to claiming for storm damage, this is usually the case… especially when it involves electronic equipment and security systems.

We are regularly booked to install alarm and electronic security systems, not only in Muldersdrift, but all across Johannesburg.  One of our most regular call-backs is due to lightning damage.

The biggest complication in a claim of this nature is the decision to repair or replace the damage items.  Lightning damage can vary in intensity; from completely obliterating the unit to creating finer dry-joints in the circuitry.  Whilst we want to offer the clients the best solution possible, replacing equipment can often be costly; especially when the insurance company doesn't want to fit the bill for a full replacement.

If an item is irreparable, it will be a clear replacement claim, however, if it is still partly functional, the insurance company may only agree to have it repaired and not replaced.

Whilst a repair may be possible, the inconsistency of an energy surge caused by lightning could cause latent faults that would result in further repair and possible replacement, which would then not be covered by the insurance since it would not be traceable to a claimable event.

As we mentioned in our previous article on explaining how to check your security systems after a lightning storm, lightning damage accounts for about 65% of all over-voltage damage to Electrical Distribution networks in South Africa.  Distant strikes, and even indirect strikes within 40 meters of a line, can induce over-voltages around 250 000 volts.

For this reason, your insurance may insist that you install lightning protection in order remain under their insurance.

If you have recently had equipment repaired from similar damage, be careful to monitor over the next few months.  If you would like assistance in a lightning protection installation, give us a call on (087) 943 7792 or email us for a free security assessment.