I've got commercial grade surge suppressors on everything, power line, phone line, video cables, you name it. There are also multiple ground rods bonded to the power and telephone protectors, but I have individual chips blown at random on several circuit boards. What a mess.
I guess a direct hit will raise the local field potential and jump the lightning arrestors. I knew I was in trouble when I heard a big ZAP and most of my video monitors went to blue screens.
Oh yeah, I have a $1000.00 deductible on my homeowners insurance.