Lightning Strike
Posted: Sat Aug 16, 2014 11:35 am
I knew it wasn't going to be a good afternoon when I climbed aboard and noticed the VHF antenna laying in the cockpit. To make a long story short, I've documented the following item damaged:
Alternator
Depth Sounder
Knot Meter
Fuel Gauge
All running and deck/steaming lights
Tank Monitor
Inverter
Reverse Polarity Test Switch
Light in head
VHF antenna and splitter (no VHF radio connected to antenna)
Questionable items:
TV
Battery Charger
I've not determined where the strike exited the boat. The bilge is mostly dry.
I'd love to hear any words of wisdom from anyone who has been through this problem before. My insurance (Nationwide/Allied) has a "Stated Value" clause. I know this determines how much the insurance company will pay in the event of a total loss however I don't know how this affects a partial loss. I'm specifically interested in whether it will pay for replacement costs of damaged items or their depreciated value.
Alternator
Depth Sounder
Knot Meter
Fuel Gauge
All running and deck/steaming lights
Tank Monitor
Inverter
Reverse Polarity Test Switch
Light in head
VHF antenna and splitter (no VHF radio connected to antenna)
Questionable items:
TV
Battery Charger
I've not determined where the strike exited the boat. The bilge is mostly dry.
I'd love to hear any words of wisdom from anyone who has been through this problem before. My insurance (Nationwide/Allied) has a "Stated Value" clause. I know this determines how much the insurance company will pay in the event of a total loss however I don't know how this affects a partial loss. I'm specifically interested in whether it will pay for replacement costs of damaged items or their depreciated value.