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Lightning protection systems. Lightning can easily damage a number of different building materials, and the large electrical currents can cause fires within the interior or even side flashes. Side flashes are small explosions of highly pressurized, super-heated air that occur inside the nooks and crannies of structure materials.
Electronic equipment is far more susceptible to power surges or lightning damage than compressors or well pump motors. The possible exception would be if the insured has purchased a good surge protector for electronic equipment. 2. Find out if the neighbors have had damage due to lightning or a power surge. If lightning or a power surge came in on the power line, then all people off of the same utility transformer should have been affected. 3. Burned insulation on electric wiring is not necessarily an indication of a power surge due to lightning.