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PHONE:
727-823-6100 x 1 e-mail:
john.pecore@storminprotection.com (Engineer) PHONE
386-569-0525 e-mail:
BBKeough724@gmail.com (Electrician) |
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Insurance companies are
always struggling with legitimate lightning damage on all types of electronic
equipment. One area of course is life
safety systems. These systems are always
in high risk areas. Most insurance claims submitted are direct strikes by
lightning (however!). The truth is,
direct strikes by lightning is rare, and if the system is damaged, most
likely it is due to poor or improper application design. Ninety percent of the cases I have been
brought into, have always violated NEC code Art. 250.94, and also UL
864. NEC code Art. 250.94
tells you how to mitigate grounding differentials, and UL 864 tells you what
you can or cannot do with surge suppression devices installed inside or
outside a UL listed panel. If these violations are
present, then there should be no liability for the insurance company. However
up until now, are paying claims without all the right information. The only way the insurance company will
know is if they hire an Engineer like myself with knowledge about lightning
protection, surge suppression, NEC code understanding and UL 864. Usually the cost for a consultant is far
less then the repairs. However there is a chance
that everything is setup correctly and that the insurance company is liable
for the damages. I have never found a
site that does comply but you never know it could happen. If a repeat offence by
the same client regarding the same equipment, more than twice with in a year,
then much of what I said, may
apply. The odds are in the favor of
the insurance company that the system is not in compliance of NEC code or
even UL864. If UL 864 is violated, the
panel is no longer considered UL listed.
Insurance companies should call 727-823-6100 x 5.
The Engineer will talk to you to set
up an appointment and cost associated with this appointment. |
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