Easy Come Easy Go…….BOOM!

Whew!  That was close!  Is your home in a spot prone to getting struck by lightening?  The chances are the same today as the day it happened.

@elliottbnewcombjr -- The other picture Nick posted of his attic is even more frightening. The hole in the roof from what I assume to be the strike looks like a meteor hit the roof! Just unreal. The sound in the house had to be deafening -- I would need an entire new wardrobe of underwear!

@amitynick -- Sorry you are enduring this ordeal. One of your comments brings up a VERY IMPORTANT ISSUE for us in this hobby. You said:

"It’s going to be like a second job getting all of these replaced, and deciding which to choose not to replace because we’re gonna go over our maximum allowable limit."

I retired when I turned 55 after building an Insurance and Financial Services Corporation over 30 years. Another financial institution made me an offer too good to pass up. One of my "get on a soapbox and preach" situations occurred when I met individuals with valuable art, music, jewelry, gun, hell even baseball card, collections. Almost EVERY ONE of them had no idea that their normal Homeowners Insurance policy had very small limits of coverage for these types of collections. I mean, usually wouldn’t come close to touching the full replacement value. That’s what special Personal Articles Policies are for. Sure, they cost you extra premiums, but nothing compared to the costs if you lose everything and try to buy replacements. I have an Excel spreadsheet listing every vinyl album, Box Set, Bootleg, and CD that I own, along with updated sold prices. I keep the same info for all my Hi Fi gear, guns, jewelry, and Animation Cel Artwork collection. I have my State Farm agent update my Personal Articles coverage every 2 years and I have professional appraisals to back up my coverage claims. Being this diligent may seem to be "anal retentive"...but it might keep you from having to choose which albums or gear to do without after a disaster.

My thoughts and best wishes are with you, @amitynick, as you move forward. I’m glad you have a positive outlook and especially glad you and your Family are safe. That had to be a terrifying ordeal.

wow thank you so much for your thoughtful and caring comments. We actually have a pretty good policy. I’ve got contents insured for $350,000 but it’s not going to be enough that’s OK this is like the ultimate decluttering exercise Some of the stuff really should not be replaced. I have clothing that I haven’t worn in 10 or 15 years and stacks and stacks of books I have already read and a hot air popcorn machine that I never use etc. etc. Anyway, you can bet my stereo equipment is going to be replaced ha ha

Sorry to see all that damage.

However, congrats on having such an excellent looking room for an audio system. High ceilings have worked great for me. Must have sounded great in that room.

Where I live, we have a big storm coming in a few hours. It will be interesting to see how the Grammy Awards will proceed on Sunday.

@amitynick -- I'm glad you have that level of Contents Coverage.  Just be aware, certain items we own or collect have built in separate maximum amounts of coverage under Homeowners Policies that don't go up to the $350,000 as in your case.  Items I mentioned like jewelry, artwork, Coins, Postage Stamps, Watches, Vinyl Collections, etc., have to be covered and listed under Personal Articles Policies for accurate coverage.   Be sure to ask your insurance adjustor what exceptions there may be for items covered up to $350,000.  Here is an interesting article:

https://www.insuranceopedia.com/do-i-need-special-coverage-for-my-record-collection/7/5672#:~:text=Your%20records%20will%20be%20covered%20under%20your%20home%20insurance%20as%20personal%20property.