We all know that lightning doesn’t strike twice.

Well, homeowners had better hope it doesn’t, as just a single bolt can cause thousands of pounds of damage.

New analysis of claims data by SELECT Premier Insurance from Direct Line shows that one house suffered more than £45,000 of damage in just a few seconds.

A lightning bolt damaged the home’s electrical system, causing £45,884.23 of damage.

CCTV cameras, water features, an intruder alarm, the telephone line, heating and lighting systems all had to be replaced, as did four flat screen TVs with Sky boxes and a Bang & Olufsen sound system.

Lightning damage isn’t something we see a lot of but it has the potential to be extremely costly when it does strike

Nick Brabham, head of SELECT Premier Insurance at Direct Line
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The core units of the home’s Lutron electrical control system were also damaged, requiring the whole bespoke system to be completely redesigned.

Other lightning claims settled by Direct Line in the past 12 months include more than £5,000 to repair one property’s electric gates and electrical system and £1,000 for damage to another’s wind turbine.

One policyholder claimed £1,000 for lightning damage to a wind turbine. Image by sopon seti/Shutterstock.com

Policyholders also claimed for lightning damage to audio visual systems, routers and set top TV boxes.

Direct Line said modern properties are filled with electrical items susceptible to power surges and reminded homeowners that large appliances like washing machines are just as much at risk as small high tech items such as tablets and home control systems.

Nick Brabham, head of SELECT Premier Insurance at Direct Line, said: “Lightning damage isn’t something we see a lot of but it has the potential to be extremely costly when it does strike.

“With so many homes filled with the latest gadgets and electrical equipment, one bolt could wipe out an entire household of items meaning people are left with a hefty repair bill.

“They say that lightning doesn’t strike twice and with the potential bill reaching more than £45,000 you really wouldn’t want it to.

“We would urge homeowners to always read the small print and make sure they have adequate insurance in place for their home.”

A report by Direct Line recently found that nearly half of UK consumers don’t realise the value of their prized possessions

Almost half of respondents (46%) don’t keep receipts for major purchases and 85% don’t photograph their home contents, Direct Line found.