Spent many years in my youth in rural central Florida. If you ever see one of those
color contour charts of "thunderstorm frequency" we were dead in the middle of the
most frequent thunderstorms in the country, big red blob in north central to westish Fla.
My Navy Dad would call the afternoon thunderstorm "the duty thunderstorm", pretty regular
in those days, a bit less so now that there are fewer hurricanes to keep the lakes as full and
ground as wet. Mostly local moisture storms, not frontal.
That part of Florida, the power company is REALLY, REALLY good at protecting lines from
strikes. If they weren't they'd have been out of business. Wife's uncle was the local power
guy with the bucket truck, resetting popped breakers and fuses on top of the poles.
I never knew all that they did, but all the local power lines, even to one house, had a top
ground steel cable/line on standoffs on top of the pole, and to the next pole, and so-on all down
the line. Hot phases were 4-6 ft lower, depending on pole height, but FAR from the top
protective "lightning grabber" which was grounded with a big wire to a ground rod at
every pole at a house, and about every 2nd or 3rd out along the highway.
Probably had a lot more stuff, but we got hit like you describe - "boom-flash" seemingly zero
seconds split time, so VERY close, many times. Almost never had electrical damage, although
we had no AC, and tube type B&W TV, and regular filament lights, plus a few long tube fluorescents
in the kitchen, so pretty old school stuff, naturally pretty surge resistant. No modern solid
state stuff anywhere - wasn't invented yet, maybe transistor radio. Sure makes you
J - U - M - P !!!! though!
Did lose the well pump motor once. REALLY good
ground for that one!
Would homeowners insurance cover the AC? Could be control system, but good chance the compressor
is toast (literally) which is NOT cheap. Hope insurance covers it.
Bill