Surges can result from storms or electrical switching and can affect HVAC controls, appliances and electronics. A failed component does not by itself prove that a surge caused it. For a Tampa project, we assess the installation and discuss protection at the panel and sensitive equipment, including the limits of the proposed devices.
Why This Is Different in Tampa
Storm frequency, not storm severity, is the problem
A Tampa summer delivers afternoon storms for weeks at a stretch. Each one can send spikes down the line that are far too small to notice and quite large enough to degrade a control board a little at a time.
Protection has to be layered to be worth anything
A device at the panel takes the large hit and reduces what continues downstream. Point-of-use protection then handles what is left at the equipment that cannot tolerate it. Either one alone leaves a gap.
Grounding is the part that gets skipped
A surge-protection device must suit the electrical system and be installed according to its instructions. We assess grounding, bonding and the device connections as part of that work. A grounding electrode alone does not make every surge-protection arrangement effective.
Does homeowners insurance cover lightning damage in Tampa?
Most policies do cover lightning, but that is a question for your insurer rather than for us, and it is worth asking before you need the answer. What we can tell you is that a claim still costs you a deductible, the time without air conditioning in a Florida summer and often a premium increase, none of which a surge device costs. Ask your insurer whether they offer a discount for whole-home protection, because some do.
I already have surge strips on my electronics. Is that enough?
It covers the least expensive part of the problem. A strip protects only what is plugged into it, which leaves out your air conditioning, oven, water heater, pool equipment and anything else that is hard-wired, and those are the costly items to replace. Strips are also rated for far less energy than a panel device. Keep them, and put protection at the panel behind them.
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