Mike,
You have already received a lot of advice let me add this.
1. There are electrical contractors out there who spealize in this type of work get one. This will save you money and is something the insurance company will be quicker to accept. These contractors usually know what each insurance company will accept.
2. With rare exceptions do not add any lightning protection in the form of a lightning rod and down conductors. Lightning rods do not prevent lightning, they are for tall buildings that are hit on a regular basis and to to carry the discharge to ground, not normally for houses.
Jim Yancey-NCDOI
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