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Meteorological and insurance experts suggest: deal with lightning disaster rationally

On July 18, the article “experts say lightning protection in Thunderstorm prone season” published in Shenyang daily attracted the attention of readers. In recent days, many readers have called our service hotline 81053456 to inquire about lightning protection. More readers ask: what should citizens do if they unfortunately suffer property losses due to lightning strikes? Can we make up for the loss through insurance? The reporter consulted experts from meteorological, insurance and other relevant departments on this issue.
The appraisal of meteorological department is an important basis for claim
On July 20, the reporter contacted Pu Ying, director of policies and Regulations Department of Shenyang Meteorological Bureau. According to Pu Ying, according to the relevant regulations of the measures for the administration of lightning protection and disaster reduction, organizations and individuals suffering from lightning disasters should report to the local meteorological authorities in time and assist the local meteorological authorities in the investigation and appraisal of lightning disasters. After confirming the facts of the disaster, the meteorological department can issue relevant identification for the victims. If the victim has taken out property insurance with the insurance company in advance, the appraisal is an important basis for the claim.
After being struck by lightning, you must “make up for the lost”
Park Ying reminded citizens that if they suffer from lightning damage, they must “make up for the lost” and beware of suffering from lightning disasters again or even many times. Where lightning strikes have occurred, they are likely to be struck again. According to data, a dairy farm in Fuping County, Hebei province suffered eight lightning strikes in four years. Six cows were killed and 15 cows were injured. Dozens of cows were knocked down together many times. Therefore, we must strengthen the defense against lightning disasters. For example, install lightning rod or lightning strip on the building, and install power lightning arrester, signal lightning arrester, antenna feeder lightning arrester, etc. in the building.
The insured should write down the address and make corrections when moving
If citizens suffer from lightning disasters, what kind of insurance can make up for such losses? The reporter contacted Zhao Xingdong, director of the claim settlement center of the Shenyang Branch of the people’s Insurance Company of China.
Zhao Xingdong said that because there are many types of insurance, citizens must find out whether the insurance contract is the type of insurance they need. For the compensation for losses caused by natural disasters such as lightning, we can consider choosing comprehensive family property insurance, and the scope and amount of protection can be determined according to our own needs. If losses are caused by natural disasters or accidents, the insurance company will compensate for the items listed in the policy. When the policyholder’s property suffers losses due to lightning strike and claims to the insurance company, the policyholder shall first take out the insurance policy, that is, the insurance certificate, and then have the thunderstorm weather certificate issued by the meteorological department. Moreover, the applicant and the insurance company should consult and ask the professional maintenance department to identify whether the property is damaged by lightning. The insurance company and the applicant will solve the problem fairly and fairly according to the contract. Zhao Xingdong reminded citizens that once insured, they must indicate the location address of the insured property. If the applicant moves during the insurance period, he must go through the correction procedures at the insurance company in time.