Ive had this happen to us...TWICE...two different houses. Two different states. Jehooover needs glasses maybe if he's tryin to get me LOL! The poor tree down here in Florida...I was sittiing in the front of the house saw and HEARD the flash and boom at the same time, and saw smoke emitting from the pine tree behind the house. The tree survived...only to be blown down in hurricane Wilma. And those that didnt get blown down in Wilma (or Jeanne or Francis for that matter the year before) gotten eaten and killed by the pine tree bore blight in 05. Insurance covered the one in Illinois, but down here is the lightening capital of the world and they were like uh ...NO LOLOL
Better the tree than your butt getting split I say :)