Depending on the level of integration, home automation equipment can quickly become expensive to repair or replace. This figure is expected to continue to rise as a growing number of homeowners install connected smart home components.
Perhaps more significant for insurance carriers is the fact that the average cost per residential lightning claim has risen over 40% since 2007 ( III), which is indicative of the increase in the number of electronics susceptible to lightning- and surge-related damages per home. This represents a near 10% increase in the number of lightning claims filed in 2016 over 2015, though it is still below the 10-year average. A recent analysis of 2016 homeowner’s insurance claims by Insurance Information Institute revealed that over $825 million was paid on more than 100,000 lightning claims. Surge and lightning damage to electronics is a frequent occurrence, particularly in the summer months.
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