Last night lightning struck a tree about 20-30 feet (approx) behind our house. I know it's not a great pic, but this is one I took last night. The window you see behind the tree is our kitchen window, the computer room is directly above that.
My husband's computer was a fatality. It is more directly in line with the window, whereas mine is more behind the wall. Mine got no damage. It appears to have been the EMP (electro-magnetic pulse) that damaged his computer. He was also working on his computer and I wasn't working on mine when the lightning struck.
OK, here's the real question of the thread. We do have homeowner's insurance, and Earl believes that our agent said that it would cover electronic/computer equipment up to $10,000. His computer is a custom-build, that has been put together over quite a while (in other words, we didn't spend this amount of money in one shot). When he went to NewEgg.com to price out what it would cost to replace the computer, it came to a little over $3,000. He uses it for radio/music production so it is a high-end system.
I don't think we have anything "special" as far as the insurance goes, and obviously our home office is closed on Sunday. Would his computer be covered in this circumstance? What type of process would this need to go through to submit a claim and get payment on it? He's really freaked out because one of their biggest shows of the year is coming up (the Halloween Special - it's an 80's heavy metal/rock show) and he can't work, nor can we afford to just pay for a new system for him while we wait.
My husband's computer was a fatality. It is more directly in line with the window, whereas mine is more behind the wall. Mine got no damage. It appears to have been the EMP (electro-magnetic pulse) that damaged his computer. He was also working on his computer and I wasn't working on mine when the lightning struck.
OK, here's the real question of the thread. We do have homeowner's insurance, and Earl believes that our agent said that it would cover electronic/computer equipment up to $10,000. His computer is a custom-build, that has been put together over quite a while (in other words, we didn't spend this amount of money in one shot). When he went to NewEgg.com to price out what it would cost to replace the computer, it came to a little over $3,000. He uses it for radio/music production so it is a high-end system.
I don't think we have anything "special" as far as the insurance goes, and obviously our home office is closed on Sunday. Would his computer be covered in this circumstance? What type of process would this need to go through to submit a claim and get payment on it? He's really freaked out because one of their biggest shows of the year is coming up (the Halloween Special - it's an 80's heavy metal/rock show) and he can't work, nor can we afford to just pay for a new system for him while we wait.