I'd go with #3 and also #2 so they can document before and after damage. No sense in #1 because you might be owing more in medical fees and legal fees than you can collect.

"But officer, didn't you hear the lightening storm last night? Don't you know that these things attract lightening??"

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3/4 to 1 1/4 ac pond LMB, SMB, PS, BG, RES, CC, YP, Bardello BG, (RBT & Blue Tilapia - seasonal).