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Outsurance (no, it's not a punt - just giving credit where due) were very good at handling the claim. However, be aware:
- You must have a good idea of the replacement value when you process the claim. Don't undervalue your stuff, because odds are high that the kit you lost is no longer available and prices are up on the current models.
Mine was, and it was not specified separately in All Risks. The loss occurred in the house.Stupid question: Is all our electronic equipment covered for lightning by general household Outsurance?
Best thing to do is get a quote from the most expensive place you know. My HP multifunction got taken out and I got a replacement quote from the most expensive place I could find. Got more than a R1k extra paid out and got a new HP from Makro for cheap.
And yet that is exactly what all those surge protectors must do (that others have bought). We install surge protection so that direct lightning strikes cause no damage. But the plug-in type that cost typically tens or 100 times more money per protected appliance does not even claim to provide surge protection. View its numeric specs. Why did others have damage even with the power strip or UPS? It provided the protection it claims. It only protects from a type of surge that typically causes no damage. It does not claim to protect from surges that typically cause damage.I doubt anything will stop a direct strike.
Every time a munitions dump is struck, the entire thing explodes? Of course not. Effective surge protection was standard that long ago. One superior earthing technique was pioneered in munitions dumps - Ufer ground. How long ago? Probably much longer than anyone here has been alive. Surge protection from direct lightning strikes without damage is that well understood and installed that routinely that long ago.Telephone companies all over the world connect their computers to overhead wires all over town. May suffer about 100 surges with each thunderstorm. And never shut down all service for four days while they replace that damaged computer. What do they use? Technology that has been well proven for over 100 years.
As I mentioned, they'll ask you the value of the equipment that you lost. If the printer has been superseded by a newer model then make sure the value you give them covers that.
HOWEVER - the company they appoint to replace your equipment will ignore the functional capability (what do they know or care about the speeds and features of your deceased pride and joy?) and palm off some cr@p they source cheaply (and bill the insurers dearly, as I found out). You must follow up quickly with the agent handling your claim and find out EXACTLY what is being quoted for replacement. That's where I stopped the rot on my claim.
You can't claim a replacement that's better than what you had, but you are entitled to a "like for like" replacement. So if your laptop had a widescreen, fingerprint reader, webcam, or wireless-n then those features can be used to eliminate the cheap and nasty replacements ("mine had that xyz feature and I must have it"), and get you closer to your "ideal" replacement.
Hi there. This is question for guys who has the Axxess Unlimited Adsl for R999. Do you disconnect your modem when there is a thunderstorm outside? Sure you leave your modem and download 24/7. But do you unplug your modem when there is lightning and how if your are at work? Lightning protection still good enough???
Learn what ham radio operators learned in the earliest 20th Century. They would disconnect the antenna and still suffer damage. Even put that antenna lead inside a mason jar - and still suffer damage. Damage stopped when the antenna lead was earthed.I disconnect the phone line and power. If that doesn't stop a lightning strike, nothing will.
Not using any socket ot line protection and never lost anything to lightning in 14 years.
You assumed a surge protector is surge protection? That is a very popular urban myth. A surge 'protector' is only a connecting device. It may even contribute to appliance damage if not connected to surge 'protection'. A surge protector too close to an appliance can even earth a surge destructively through that appliance.Since my Modem, Router, PC and server were taken out in a bright flash of light, even thought we had decent surge protection on each, I unplug everything - then use my laptop on battery power and 3G...![]()
You assumed a surge protector is surge protection? That is a very popular urban myth. A surge 'protector' is only a connecting device. It may even contribute to appliance damage if not connected to surge 'protection'. A surge protector too close to an appliance can even earth a surge destructively through that appliance.
The majority demonstrate how sales propaganda is so effective. Why so many completely ignore over 100 years of science and experience to waste money on a device - only because it protects from one type of surge. And that type of surge is not typically destructive.
The NIST (a US government research agency) describes what a protector must do. And then describes what you (apparently) and others have wasted money on:
> A very important point to keep in mind is that your surge protector
> will work by diverting the surges to ground. The best surge
> protection in the world can be useless if grounding is not done
> properly.
Did your protector have a less than 3 meter wire that connects the protector to earth? A wire separate from all other wires? A wire without sharp bends or splices? To a ground that all incoming wires (in every cable) connect to? If not, you had crap surge protection. A scam promoted to the naive who do not ask embarrassing questions.
Will that silly little 2 cm part inside the protector stop what 3 km of sky could not? That is what so many plug-in protectors claim to do. A majority buy them anyway. So many believe hearsay. Ignore 100 years of well proven science.
Worse, many only know by counting posts. Forget to eliminate every claim that comes without facts and numbers.
You had damage. Therefore the likely defect was insufficient (or missing) earthing. The most expensive surge protectors do not even claim protection in manufacturer's numeric specs. Of course. A protector is only as effective as its earth ground. Properly installed surge protection means a direct lightning strike causes no damage - even to the protector. That means a many times less expensive 'whole house' protector. A protector is only a effective as what provided protection - earth ground.
Nothing posted required knowledge beyond what was taught in school science. Did they teach what Ben Franklin demonstrated in 1752? It is that 'complicated' - principles even taught in primary school science.In all honesty, I haven't got a clue what you said - I am a regular consumer, and when I go into a reputable electrical shop to get decent surge protection, I probably make the incorrect assumption that they know what they are talking about; I look at the specifications and numbers that are presented to me, advising me that they guarantee protection for a direct strike up to 1.21 jiggawatts - "here sir, this is the best money can buy", I make an informed decision and say "I'll take two please" - the salesman obviously laughs to himself and gleefully rubs his hands...
I have to agree with you here. I'd totally love to have my telephone line and all the electric circuits in my house properly grounded to help with the massive lightning problem I have at my house, but I don't think that's going to come cheap if hiring some pro qualified scientists who know what they're doing is really the only way (wow, their service must be high in demand..I don't know what a decent earth protection would cost, and I'm not sure I'd really want to know, as I'm sure I'd have to re-mortgage my house in order to be able to afford it in South Africa...even if there is someone who can do it properly...![]()
Two 3 meter ground rods are too expensive?... but I don't think that's going to come cheap if hiring some pro qualified scientists who know what they're doing is really the only way
I have to agree with you here. I'd totally love to have my telephone line and all the electric circuits in my house properly grounded to help with the massive lightning problem I have at my house, but I don't think that's going to come cheap if hiring some pro qualified scientists who know what they're doing is really the only way (wow, their service must be high in demand..), so I assume the next best bet would be to buy insured surge protection, and then get told that that's ALSO stupid, AS WELL AS the last resort of even UNPLUGGING my stuff. EISH, So what now?
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