The strike doesn’t even have to be a direct hit on your home but can occur within half a mile.  As a matter of fact, the majority of surges that most people take are from problems at someone else’s home or somewhere further down on the power company lines.  A surge doesn’t have to be lightning; it can come from an automobile accident that hits a power pole or even from a routine maintenance on the main power lines when they turn the power back on.  This off and on of the power with the main electrical lines can send surges into your home or business that I have seen destroy lots of electronic equipment and appliances.

Almost every home has multiple computers, and expensive home entertainment systems.  Even our appliances are high-tech with monitors built into the doors of refrigerators and laundry appliances with electronic controls.  These items are especially vulnerable to spikes in your home’s electrical current that may cause melted circuit boards and overheated wires.  Repairs to these expensive gadgets are much more costly than replacing a blown out light bulb or electrical outlet.

Some electrical repairs just can't wait. If you discover loose wiring, a faulty circuit or other problem in your home electrical system, it is essential to call an electrician immediately. At best, electrical problems can be annoying. At worst, they can damage your appliances or even start a fire in your home. That's why it's so important to have savings on hand so you don't feel compelled to delay emergency electrical repairs. Unfortunately, far too many families are not prepared financially to cover this type of emergency.

Emergency Savings Not Cutting the Mustard

The savings profile of the average American family leaves a lot to be desired. A recent report pointed out that 25 percent of homeowners in the United States don't have any money at all saved to protect themselves in case they need an emergency electrical repair or other home service. What's more, about half of the families that do have savings have less than $1,000, which might not be enough to cover a major bill.

And you never know when you might need help. In fact, nine percent of households said they had a problem with a circuit, switch or outlet in the past year, according to the report. Unless you are already an accomplished electrician, these are not problems you can address by yourself – you need to hire a professional in order to protect the safety of your home and your family. If you don't have any savings, that means borrowing money or putting off a repair – a dangerous prospect.

Make Sure You Have Money When You Need it

Follow these tips to increase the odds that you have cash on hand when you need it:

Expert Electricians Keep You in Safe Hands

Maintenance and repairs on your wiring and circuits are tasks you simply cannot put off. Whether the electrical work you need is routine or a true emergency, call upon a professional electrician to get the job done safely and promptly.