If the lightning hit close then prior to the strike their would have been several faint positive streamers and it sounds like one was off your house, it may piggy back the wiring system namely the earth as its usually interlinked and connected throughout the building - the voltages are very large and can do alot of damage even though the positive streamer is not the one to make contact with the actual bolt..... check the link out ...towards the end you can see footage of several streamers a split second before the bolt find its target.

https://www.youtube.com/watch?v=RLWIBrweSU8

That was fascinating! Thanks for posting Darkwood.
 
That was fascinating! Thanks for posting Darkwood.

Im a closet nerd as most may have guessed by now I live to soak a lot of this info up in hope to spill it out when the opportunity presents itself... its only in the last decade that this has come to light and even captured ....if you want to mess you mind up more look up lightning sprites and associated displays that shoot out into space off the top of some bolts ..it gives you an added insight into the sheer power of these things.
 
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Here's my prediction. The insurers will try their damnedest to get out of paying out a single penny. They'll find some way to do it if they try hard enough, possibly invoking the clause which dictates that the property be kept in good order and regularly maintained. If she hasn't had the wiring checked out previously she could be in trouble.
Bang on Trev, or they will just state it was "an act of God" so un-insurable.
 
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Lighting Strike - Ground Potential Rise - Cable Damage
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