Homes and business, with protection, take hits, it's like a rat, will find a way in.
What we have done for our customers, works the best, we sell them, surge supressors with the damage insurance, two of our customers, have received payment for all connected equipment, and they call us, and let us know how pleased they were, one of the homes, had a surge supressors at the panel, which was installed by the contractor that upgraded his panel, he said "why din't he tell me about the surge supressors with insurance", customers like to be advised of options, for protection.