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Lightning protection systems. Lightning can easily damage a number of different building materials, and the large electrical currents can cause fires within the interior or even side flashes. Side flashes are small explosions of highly pressurized, super-heated air that occur inside the nooks and crannies of structure materials.
That is correct. Get a surge protector for everyday use. Unplug the charger during thunderstorms. Surge protectors do not protect against the damage that a lightning strike causes - they just protect against electrical surges.