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Lessons of  loss

The following “Lessons of loss” is summarized from a recent study completed by Zurich. The details have been revised to help preserve the anonymity of those involved.

Lightning strikes a father and daughter
A father and daughter were attending a church-sponsored youth fundraiser while a thunderstorm was crossing the area. The two believed that they were safe because they were inside the church building. Lightning struck the unprotected building and carried a current through the metal structural beams and components of the church. The father and daughter were believed to have been touching a metal rail or a door handle when the lightning struck, resulting in an indirect shock to both people. Both were seriously shaken by the event and were transported via Emergency Medical Services to a local hospital. They were released later that day without any long-term effects.

Lightning caused electrical surge and damaged pipe organ
During an electrical storm, a church incurred a direct strike to the building, which caused over $100,000 damage to the church organ. The cause of loss was listed as a power surge created by a lightning strike. The organ damage was so extensive that it was posted as a total loss.

Fire to church building from direct lightning strike
During a thunderstorm, lighting struck a woodframed, brick veneer church. A fire started on the roof and quickly engulfed the property in flames. The fire burned the church to the ground. The total loss of the building and its contents cost more than $1 million. An investigator determined that the property did not have a lightning protection system or a sprinkler system, either of which might have prevented the loss.

Related articles: 
When lightning strikes 
Lightning protection
Lightning safety 
Surge protection


The information in this publication was compiled by Zurich Services Corporation from sources believed to be reliable. We do not guarantee the accuracy of this information or any results and further assume no liability in connection with this publication, including any information, methods or safety suggestions contained herein. Moreover, Zurich Services Corporation reminds you that this publication cannot be assumed to contain every acceptable safety and compliance procedure or that additional procedures might not be appropriate under the circumstances. The subject matter of this publication is not tied to any specific insurance product nor will adopting these procedures insure coverage under any insurance policy. ©2008 Zurich Services Corporation

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