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Lightning strikes on sailboats frequently cause sequential electronic failures, often requiring a complete electrical refit costing between $60,000 and $300,000.5:42 Even proximity strikes—where no direct hit occurs—can fry sensitive components like common rail engine ECUs, lithium battery management systems, and navigation equipment.6:27 Insurance companies often drop policyholders or significantly increase deductibles following a lightning claim, regardless of the boat's location or mast height.10:46 When a strike is suspected, owners should operate all electrical devices to document failures for insurance adjusters, as damage often manifests over time.4:10 While traditional mast-top dissipators remain unproven, new deionization systems from manufacturers like SurTech and Denteco attempt to prevent strikes by dissipating atmospheric ions.19:06 These installations require grounding plates at opposite ends of the hull and low-resistance wiring to the mast base, often necessitating complex cable routing through existing conduits or mast removal.16:11 Lightning protection remains an experimental field with no industry-standard solution, leaving owners to weigh the high cost of potential refits against the unverified efficacy of new deionization technology.

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