Here’s something true about lightning: Much, maybe most, of what you think you know about it is probably wrong.
Don’t worry, you’re not alone. Some of what we assume is true ("It never strikes twice … ") is based on faulty folk wisdom. Some ("Crouch for protection…") is old, discredited advice.
What follows are some of the most persistent myths about lightning, as well as some important lightning safety tips. These tips may come in handy soon – lightning strikes in the United States millions of times each year, mostly in the summer (although it can hit at any time of the year).
For example, if lightning damages your car, you’re likely only covered if you have comprehensive coverage on your auto policy. As for your homeowners policy, you need enough dwelling coverage to completely rebuild your home, if needed, following a covered loss. Of course, every policy is different so be sure you know yours well.
Knowing the facts about staying safe in lightning and having the right insurance for your needs. They’re two sides of the same coin: Both help you weather the storm.