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Lightning strikes reach the ground as often as eight million times per day or 100 times per second, according to the National Severe Storms Laboratory. (Photo: Marc/Shutterstock) Lightning strikes reach the ground as often as eight million times per day or 100 times per second, according to the National Severe Storms Laboratory. (Photo: Marc/Shutterstock)

If you had to guess which peril results in the biggest insurance losses for homeowners, you might be tempted to say theft because of all those ads for home security systems. But you would be way off.

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