surge suppressors might just be well worth it for this reason.I can just see the average homeowner trying to do the diagonistics. Just another case of the codes going nuts!
Just think of all the service calls during the warranty period the electricians will have to make!
Having personally suffered through several lightning strikes and fried GFCI's (but nothing else), think of a whole panelboard of fried AFCI's, etc.!!!!
If you can prove it was lightning caused damage, why should you have to warranty it?