A few years ago our house took an indirect hit. My wife and I were in the house when it hit. There was a flash and It just sounded like a big thunder boom, nothing special. That was until we started finding nothing was working anymore.
I have a 4' high fence for the dogs that is about 700' long. At the top of it I ran a solar powered fence charger to keep the larger animals in the woods out. It literally blew the fence charger apart. On that side of the house everything that was connected to my cat 5 lan system except for one computer was destroyed. I lost my Synology system, 3 computers, a router, cable tv modem and a boatload of line voltage appliances.
The adjusted started talking about 'power surges' (not covered apparently) but the charred pieces of the fence charger settled the discussion. The charger was located about 50' from the house and is not connected to anything in the house.
He told me at the time we would be finding things affected for months. He was wrong. We found stuff destroyed over a year later. ie I had installed a drill press relay so I could have a low voltage foot switch. The transformer in the relay was a crispy critter. I took down a hall light a year later to do some wall painting and found the insulation burned off the wires. I checked several other fixtures - same deal
In the end the insurance company was really good but it was an experience I wouldn't wish on anyone.