Surge and Lightning
Damage to Electronics and Specialty Claims
Take this short 6-question quiz
to see what you learn from our eBook.
Start the Quizto see what you learn from our eBook.
Which month is NOT one of the top months for lightning to occur?
1 of 6
MAY
MAY
JUNE
JUNE
JULY
JULY
AUGUST
AUGUST
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ANSWER: MAY
Though May has a higher chance for lightning than in winter or fall months, summer months are when lightning is more likely to occur. Thunderstorms need moisture and convective instability to occur. This happens most often in the summer and in Southern states.
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High voltage surge failures require replacements.
2 of 6
TRUE
TRUE
FALSE
FALSE
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ANSWER: FALSE
Electrical components that sustain surge damage may be able to be replaced without replacing the equipment in its entirety. This is particularly true for items such as large appliances.
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Lightning has to be present for a high voltage surge impact to occur.
3 of 6
TRUE
TRUE
FALSE
FALSE
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ANSWER: FALSE
High voltage surges may occur for a variety of reasons, including electric grid fluctuations and high-consumption electrical devices powering on and off.
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Which state has the highest lightning frequency?
4 of 6
NORTH CAROLINA
NORTH CAROLINA
TEXAS
TEXAS
FLORIDA
FLORIDA
NEW YORK
NEW YORK
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ANSWER: TEXAS
Texas usually has the most lightning because of its proximity to the Gulf of Mexico, humidity, and size. However, Florida, New York, and North Carolina also have a high frequency of lightning.
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5-10 times as many flashes remain in the cloud instead of travelling to the ground.
5 of 6
TRUE
TRUE
FALSE
FALSE
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ANSWER: TRUE
Intracloud and cloud-to-cloud lightning occurs far more often than cloud-to-ground flashes; however, they have no impact to your policyholders’ property.
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What percentage of claims StrikeCheck assessed had direct lightning as the actual cause of loss?
6 of 6
2%
2%
6%
6%
4%
4%
8%
8%
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ANSWER: 2%
Policyholders frequently claim lightning as the cause of loss for their property; however, the likelihood that direct lightning will strike their equipment is very slim. Indirect lightning that causes a surge is more likely to impact property.
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Thanks for taking the Surge and Lightning Damage to Electronics and Specialty Claims Quiz!
