When lightning strikes, will your house be prepared?

My next-door neighbor, Jo, was in her living room reading. Her husband was watching television nearby. My husband was home working on his computer, when suddenly: FLASH! CRACK! BOOM!

“The loudest thunder I have ever heard and a big white flash struck all at once, jolting me out of my chair,” Jo said.

The TV went black. At our place, the thunderstruck dogs dove under my husband's desk and stayed there.

Lightning had struck a cable line between our two houses, zapping both. Jo's house got hit worse. The strike took down her home's air conditioner, three Apple TV boxes, the internet, cable television, water heater and the smart system that controls the lighting and sound systems.

“The lights that were on, I couldn't turn off; the ones that were off, I couldn't turn on,” she said.

It would take weeks (including two weeks in Florida in August without air conditioning) to deal with insurance and repair which, at last tally, cost an electrifying $40,000.

Meanwhile at our place, the same bolt from the blue knocked out our air conditioner, cable television, irrigation control box and five recessed can lights.

All of that — Jo and I now know — could have been prevented had we had proper surge protection. Many power companies, including ours, provide it if you ask.

“What you had was a very near-ground strike that was close to being a direct strike,” said Peter Jackson, an electrical engineer at Kenick, a Florida-based company that makes surge-protection systems and provides them to utility companies in more than 10 states. “The ripple effect was strong because you were so close.”

About 80% of residents who sign up for his company's surge-protection program do so after they have a lightning event, he said.

“Although you can't keep lightning from striking, you can keep it from getting in your home by capturing the spike and sending it into the ground before it enters the house and fries your refrigerator,” Jackson ssaid.

That's what the program's meter-based device does.

Electricians (not you!) install the unit behind your home's electric meter, where it monitors incoming power and diverts surges. Our power company charges $49.95 to install the device, plus a $7.99 a month lease fee. Those who want more protection can purchase a plug-in surge protector to use indoors on sensitive programmable electronics, such as televisions and computers.

“Is the system perfect? No, but it's close,” Jackson said. “It won't help if you have a direct strike on your house that blows a hole through your ceiling. But the good news is 95% of surge damage comes from indirect strikes.”

Not every home needs surge protection at the meter, but homes in lightning prone areas — especially in the Southeast and Midwest — could benefit, he said. Where lightning is less common, say on the West Coast, homeowners can get hard-wired surge-protectors online or from a big box store for about $100. These boxes install directly into your electric panel. Though the shock wave has to get into the circuit panel to be captured before it's sent back outside, these units do help, he said.

Here's how else Jackson recommends you protect yourself and your home from the jolt of a bolt:

TAKE COVER >> The minute you hear thunder in the offing, get inside. You want four walls around you, so get off the golf course, get out of the pool and don't duck under a tree, and put away the umbrella.

“You do not want to be in a thunderstorm with an umbrella,” Jackson said. “It's basically a portable lightning rod.”

LOOK FOR LEAKS >> Check around your home, especially around your electric meter, for water. Lightning looks for the easiest path to ground and wet ground is an easier path than dry ground.

KEEP THE SURGES OUTSIDE >> Surge protectors that stop electrical strikes from entering your home are your best defense. If your utility company doesn't offer them, then get a hardwired surge protector installed into your electric panel. Indoor surge suppressors offer a third line of protection.

HIRE A LICENSED ELECTRICIAN >> Regardless of which system you get, have a licensed electrician install it.

POWER STRIPS AREN'T ENOUGH >> Those bars that have multiple outlets are convenient, but don't protect what's plugged into them from voltage surges. To protect sensitive or programmable electronics, plug them into a surge protector or suppressor.