Power surges can originate from lightning strikes, utility grid issues, or internal equipment cycling, posing risks to HVAC systems, refrigerators, smart appliances, and sensitive electronics. While whole-house surge protectors reduce the risk of damage, they cannot fully protect against direct lightning strikes or surges entering through unprotected communication lines. Improper grounding or outdated systems can further limit their effectiveness. In Florida, where lightning-related claims are the highest in the U.S., homeowners face significant risks during storm season. Without adequate surge protection, repeated voltage spikes can degrade or destroy expensive electronics over time (Palmer Electric, 2026).