No matter where you live, lightning cannot be avoided.

Lightning kills approximately 80 people and injures 500 more each year.

These storms may pass quickly but they can damage property and harm people.

Know what to do before, during and after a thunder storm. Select an option below.

Before

• If there are reports of lightning, you should find shelter for yourself, your family and your pets.
• If you can hear thunder, you're close enough to the storm to be struck by lightning.
• Keep roofs and gutters free of leaves, branches and other debris.
• Use surge protectors to protect appliances, such as computers and televisions. Surge protectors protect against fast, short duration of electrical current that could cause an appliance to set on fire or be electrocuted.
• Turn off and unplug all utilities, appliances, and electronics.
• Close all doors and secure all windows.

During

• If you're boating or swimming, get to the shore and seek shelter immediately.
• Get inside a completely enclosed building if one is available.
• If none are available, get inside a vehicle.
• If no shelter is available at all, squat low to the ground. Place your hands on your knees with your head between them. Make yourself the smallest target possible.
• Stay away from metal objects and large structures like tall trees.
• Avoid contact with pipes or running water, as plumbing and bathroom fixtures can conduct electricity.
• Avoid landline and cell phone use as this puts you at a high risk of being electrocuted.
• Do not go outside even if the weather appears to have calmed. To ensure the storm has passed, turn on your TV, radio, smart phone, laptop, tablet, etc.

After

• Get medical assistance for anyone who has been struck by lightning.
• Clean up any glass or other debris from the storm to prevent any further injury and/or damage. Wear proper shoes and gloves when cleaning up.
• Upon entering your home, look for hazards such as loose wires, damaged gas lines and submerged electrical appliances.
  • Do not drive if you can avoid it. Roads may be washed out or flooded, not because of the lightning, but rather the heavy rain that comes with the lightning. Roads may be blocked by utility lines, broken limbs or emergency and maintenance vehicles.
• Keep all circuit breakers turned off until power has been restored.
• Have all utilities and electrical appliances checked by a professional before use.
• Protect your property from further damage by using plywood, tarps or other materials to cover broken windows or holes in roofs.
• Make a list of your damaged property and do not dispose of it. Do not throw anything away as your insurance adjustor needs to inspect damaged items.
• Save receipts for any money you spend related to the loss. Your insurance company may need these to settle your claim.
• It's important to contact your NYCM Insurance Agent right away to report any damages to your property. You can also contact us directly at 800-234-6926. Customer Service is available 24/7/365.