[C320-list] Lightning Storm Damage Insurance Coverage?

[Gates]

What part of our Marine Insurance Policies cover electronics cooked by 
lightning?
Are there typical coverage limits or deductibles that apply?
Rollie  #182    Charlotte Harbor, FL
----- Original Message ----- 
From: "Irving Grunes" <igrunes at gmail.com>
To: <C320-List at catalina320.com>
Sent: Monday, June 16, 2008 11:33 PM
Subject: Re: [C320-list] Lightning Storm Damage


> Guys,
> When lightening strikes, it set up a huge expanding and contracting 
> magnetic
> field much like the field that is used in generators to create 
> electricity.
> There was the right hand rule,where the direction ogf the current causes 
> the
> field to rotate around the direction of the current.
> This magnetic field is very large and when it expands and contracts,
> anything metallic or electronic that is in the proximity of the field
> expanding and contracting will get large voltages generated.
> The electronics do not have to be on whatever the lightening strikes, but
> only has to be in proximity of the large expanding and collapsing field to
> get destroyed.
> Surge protectors will only protect for the voltage surges that come over 
> the
> power lines.  Those devices in the field of the strike gets cooked.
>
> So that even if someone has a lightening protector on top of the mast and 
> a
> chain going to ground, the path of the high amperage will set off the 
> field
> and cook whatever is close to it.  It will protect a person on the boat, 
> but
> its the field that does the damage.
>
> Irv Grunes
> #851
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> On Mon, Jun 16, 2008 at 9:04 PM, Stephen Cox <scox at timmin.com> wrote:
>
>> There's only ways to reduce the possibility of a lightning strike and
>> possibly the effects of a nearby one.  The energy involved will just
>> totally
>> swamp the normal "surge protectors".  If a boat nearby is struck the
>> possibility of damage on boats around it are very high.
>>
>>
>> Stephen Cox
>> Tegwen C320 1141
>>
>> >
>> > Quentin
>> > Not 100% sure in your case, but downunder "surge protector"
>> > are available and usually they are built into each individual
>> > Marina power supply (one for each slip). Additionally, I have
>> > a separate one (touch larger than the size on a computer
>> > Mouse) for this purpose as well. We are on 240v supply and
>> > our need is greater than yours at 110v.
>> >
>>
>>
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