Lightning is one of the most beautiful displays in nature.It is also one of the most deadly natural phenomena known to man. With bolt temperatures hotter than the surface of the sun and shockwaves beaming out in all directions, lightning is a lesson in physical science and humility. Lightning is a sudden electrostatic discharge. Although lightning is always accompanied by the sound of thunder, distant lightning may be seen but be too far away for the thunder to be heard. Beyond its powerful beauty, it can cause havoc killing people and destroying property.

There are places where lightning strikes regularly - Africa is the lightning capital of the world, according to map that tracked every bolt of lightning to hit the earth for 18 years. For an Insurer, Lightning is a peril and cause loss or damage. In India, the Standard Fire & Special Perils policy ~ a named Perils policy has ‘lightning’ included in the listed perils and hence loss or damage caused by lightning is indemnifiable.
In a sad tale, MailOnline and other media report that more than 300 wild reindeer have been killed by lighting in central Norway in what wildlife officials are calling an unusually large natural disaster. The Norwegian Environment Agency has released eerie images showing reindeer carcasses scattered across a small area on the Hardangervidda mountain plateau. The agency says 323 animals were killed, including 70 calves.

29th Aug 2016.