The comment posted regarding your grounding is a good one. You may not have a good ground system. The engineer can look at this and advise you and the test company can test this. It is typically in-expensive to make it better, however, you insurance company may not pay for this. Also you can look into installing lightning protection and then you can also look at installing surge protection. Some utility companies offer a meter mounted surge protector - these are generally very good units as the fit in line with your meter and will out perform anything you can buy for the panel, however, installing a main panel device is also a good option. You will also want additional surge suppression devices (plug in) on your sensitive electronics - look for a device that is UL 1449 rated. Remember the insurance company puts their interest before you so don't get too excited when they say they will pay. You will need an engineer's report to prescribe the work and a contractor's estimate to back it up. They generally will not argue with the engineer's prescription, but what they will do is try to get and adjuster out to put an arbitrary dollar limit on the claim. Bruce
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