wow thank you so much for your thoughtful and caring comments. We actually have a pretty good policy. I’ve got contents insured for $350,000 but it’s not going to be enough that’s OK this is like the ultimate decluttering exercise Some of the stuff really should not be replaced. I have clothing that I haven’t worn in 10 or 15 years and stacks and stacks of books I have already read and a hot air popcorn machine that I never use etc. etc. Anyway, you can bet my stereo equipment is going to be replaced ha ha
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Sorry to see all that damage. However, congrats on having such an excellent looking room for an audio system. High ceilings have worked great for me. Must have sounded great in that room.
Where I live, we have a big storm coming in a few hours. It will be interesting to see how the Grammy Awards will proceed on Sunday. |
@amitynick -- I'm glad you have that level of Contents Coverage. Just be aware, certain items we own or collect have built in separate maximum amounts of coverage under Homeowners Policies that don't go up to the $350,000 as in your case. Items I mentioned like jewelry, artwork, Coins, Postage Stamps, Watches, Vinyl Collections, etc., have to be covered and listed under Personal Articles Policies for accurate coverage. Be sure to ask your insurance adjustor what exceptions there may be for items covered up to $350,000. Here is an interesting article:
https://www.insuranceopedia.com/do-i-need-special-coverage-for-my-record-collection/7/5672#:~:text=Your%20records%20will%20be%20covered%20under%20your%20home%20insurance%20as%20personal%20property. |
Panel surge suppression devices will not help in a direct strike situation. Your best strategy is to minimize likelihood of direct strikes by lowering the lightning profile of your house with properly installed “lightning rods”. I use “quotation marks” because they don’t actually divert lightning, but bleed off static charges that would attract lightning. The second part is a more prominent diversionary path for lightning to strike instead of your house. These are matters that require lightning specialists, not for your run of the mill contractor. |
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