Severe Weather Risks to Home Systems and Appliances

Severe weather conditions can threaten the electrical infrastructure that provides reliable power to homes. Snow, ice, and high winds have the potential to cause downed power lines and outages. Water leaking into utility equipment causes shorts and damage to the distribution equipment. Power lines that sway in the wind can accidentally contact each other, causing outages. Trips and resets on utility equipment also can cause intermittent power decline in the home.

Weather-related events can cause anomalies on the electrical supply lines to the equipment and appliances in the home. Almost all modern electrical consumer products, home heating, cooling systems, and appliances have electronic components that are very vulnerable to electrical surges. The cost to repair an appliance with surge-damaged circuit boards can exceed the cost of a new appliance.

Here are two options to prepare for the eventuality of power outages and the damaging effects of electrical anomalies such as surges:

Install a home generator

A generator can supply power if there is a fuel supply for the engine. Most home generators use gasoline, natural gas, or propane as a fuel source. Short-duration power outages won’t significantly affect the temperature in the house or cause food spoilage from the refrigerator or freezer shutting off. This is where a home generator can be the most beneficial.

Generators can be purchased in a variety of sizes to supply only critical loads or to back-up the entire house. Generators are available as “portable use” or permanently installed and with an automatic transfer switch. Portable units require manual setup, connections, and supervision when used. Permanent generators automatically detect a utility power outage and turn it on and off automatically. Consult with an electrician for the best option and size depending on requirements and budget.

Get a “whole house” surge protection device installed

Have an electrician install a “whole-house” surge protection device (SPD) at the main electrical panel. Surge protection devices are now required by the 2020 National Electrical Code for all newly constructed homes. For existing homes, if an electrical panel is upgraded or replaced, it must now have an SPD installed at the time of the upgrade. This is great protection from surges for all new and upgraded homes, but not locations built before the code was in force. Existing homes still use the same modern appliances and electronic heating and cooling equipment that is used in new homes without SPD protection. Why leave high-value appliances and home systems vulnerable to surges just because the house was built before the new 2020 electrical code requirement? SPDs are relatively inexpensive and easy to install by an electrician, yet they provide surge protection for all electronic equipment in the house.

Additional surge protection is recommended at the “point-of-use” for consumer electronic devices such as computers and audio equipment, etc. These devices are frequently called “plug strips.” If using these point-of-use devices, make sure to check that they are not just multi-plug extension cords. They are called relocatable power taps (RPTs) when they do not have an internal SPD. Check the UL markings on the package or device for a dual UL listing as a relocatable power tap (RPT) and a surge protection device (SPD). Many of these devices look the same, so check the printing on the label or molded into the plastic for SPD and RPT UL listing.

It seems weather events are occurring more frequently. These two steps will help prepare for daily life during extended power outages while reducing the chance for high-value equipment losses due to electrical surge events.

CLICK HERE for more tips on severe weather loss prevention from the HSB Equipment Resource Center.

Want more information like this delivered straight to your inbox? Click the “Follow” button on the bottom of the screen and enter your email address.

© 2020 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved. This article is for informational purposes only and is not intended to convey or constitute legal advice. HSB makes no warranties or representations as to the accuracy or completeness of the content herein. Under no circumstances shall HSB or any party involved in creating or delivering this article be liable to you for any loss or damage that results from the use of the information contained herein. Except as otherwise expressly permitted by HSB in writing, no portion of this article may be reproduced, copied, or distributed in any way. This article does not modify or invalidate any of the provisions, exclusions, terms or conditions of the applicable policy and endorsements. For specific terms and conditions, please refer to the applicable endorsement form.

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.