As a kid, we had a terrible storm come through on the farm, and there was a ‘strike’ within a mile of the house. Next morning, my dad and I go out....dozen cows laid out....some 30 ft from the tree...dead. Partial split for the tree itself.
Farm insurance was in place....paid roughly 80-percent of value. But by the time you hire a dozer to dig a pit for them...most of the money is used up.
In the mid-80s, I assembled a Sears storage house at my new property, digging a drainage trench from the back and around the sides. During a hard rain I was out there observing the draining of the runoff and standing under an umbrella when FLASHBANG! I ran for the house.
I don’t know if your basic small umbrella will attract a lightning bolt; don’t want to test it again.