The UK has recently been hit with large lightning storms, resulting in many homes being struck by lightning. The violent storms have destroyed homes across the UK and caused flash flooding in areas from localised torrential rain.
A Met Office spokesman described the storms as "widespread and energetic". He said: "Large rainfall totals, falling in short periods, perhaps exceeding 50mm in three hours, on to hard-baked ground, may lead to flooding locally, with hail and gusty winds an additional possibility. As is common in such situations, not everywhere will catch the heaviest of the storms, and some places may well escape altogether” (Source: guardian.co.uk).
And it’s not just the flooding home-owners need to be afraid of. Tens of homes were struck by lightning Monday night and Tuesday morning, the worst effected ones catching fire and leaving homes uninhabitable. A property in Wakefield, West Yorkshire was hit at 6.55 Tuesday morning, and subsequently caught fire. The watch manager from the local fire service, Andrew Kinnear said, “The lightning strike caused a fire on the ground floor of the property, but the first floor was effected too. The property is now structurally unsafe because there is a hole in the chimney and it could collapse at any time” (Source: dailymail.co.uk).
Andy Richards, Business Development Director at HomeLet says; “Landlords must be aware that having cover that protects them from the effects of lightning storm in their buildings insurance is as important as ever considering the current situation. Lightning bolts can cause substantial damage to both the buildings and contents of houses, especially if they cause a fire. Freak storms like the ones seen over the last 24 hours can also give rise to flash floods.
“If a landlord’s property becomes damaged by the effects of lightning storms and flooding and they have not ensured they have comprehensive buildings insurance, putting it right out of their own pockets could cost a fortune.This could also mean their house is uninhabitable; thus their tenants having to move out, meaning no rental income.”