Heaven forbid it happen to anyone here,
a direct lightning strike to an insurance company or an underwriter
(in the case of UPS / surge adapter / spike protection companies
) is an act of God, and isn't payable.
I was thinking specifically in the case of my friend who's local loop was struck a few years back, rather than an actual strike on the building. As thcrw739 rightly says, there's not a lot realistically available to the residential user to protect against that sort of thing.
The earthing here at my house is pretty poor, that or there's a wiring problem. Things seem to suffer sags even when you turn on the light switches, and if you run a hair dryer, the TV picture develops horizontal snow.
I know a lot of people who, at the mere hint of a storm will turn their pc's off and removed the phones. Either I'm really bad, really stupid or just aware of the odds, because I never have done that. Not once.
I will say though that in the case of this sort of protection, you need to be sure you're willing to put your money where your mouth is - BUT - you need to be sure that the supplier is too.
It was an extra £8 on just about everything on the AC side of it to go from the £25,000 to £50,000 cover and an extra £8 again to go to £100,000 cover.
Read the small print on the equipment, ensure that there are no odd get-out clauses and that you've wired it up correctly as per the guidelines.
Always fill out and post the registration card, and above all be sure to keep the paperwork. It's a good bet that a lot of people with this sort of technology in their system will lose it - something that I'm sure the underwriter will factor in in his/her musing for the vendor.
Lastly always go for a brand name, one you can trust through reviews from people who have had to make claims, and I'd advise one that has an operation and HQ within your country.
Wallythacker,
I wonder if you could make up some sort of thermistor trip switch that you could place on your UPS's on the mains side of the circuit. Have it trip the AC line if it gets too hot and let the UPS discharge cycle
(hopefully cold
) run its course.
May be a bit of hassle for you, but if it helps you sleep better at night...