Surprisingly, your home is as vulnerable to hazards in the summer months as it is in harsh winter weather. But, by knowing what could potentially go wrong, you can take steps to prevent a catastrophe.
With summer rapidly approaching, you should start now to address any issues that could cause damage to your home. A few minutes of your time now can go a long way in preventing insurance claims.
Despite your best efforts, accidents do happen. But, a few extra safeguards are always helpful to minimize risks. So, here are the 4 most common homeowners insurance claims that typically occur during the summer and tips on how you can avoid them.
Americans love outdoor fires during the summer months. Weekend cookouts are the most popular means of socializing with friends and family. However, those backyard grills, firepits, and bonfires can cause severe damage to your home and property if they get out of control.
The NFPA reports that an average of 10,600 home fires each year involve outdoor grills. The good news is, these summertime insurance claims can be avoided. To keep your home from becoming part of those statistics this year, take these steps:
- Clean your grill thoroughly before firing it up.
- Be sure the grill or pit is placed where the wind will not cause a flare-up.
- Keep a 3-foot clearance around the grill or pit.
- Place your grill at least 10 feet from your house or any other building.
- Do not place the grill or pit under overhanging tree branches.
July is the peak month for homeowners insurance claims caused by fire, followed by May, June, and August, according to NFPA,
Grill fires caused deaths and injuries, and about $149 million in property damage over a four-year time frame. In the long run, preventing insurance claims due to fires is easier than dealing with the consequences.
Spring and summer months often bring a lot of rain and thunderstorms that can cause structural damage to homes. In some cases, the contents of a home can also be damaged. Some of the damages may be fixable, but some are beyond repair. This type of situation can be expensive if you don’t have flood insurance.
Most standard homeowners insurance policies do not include flooding as a covered peril. However, if you wish to purchase flood insurance separately, you can do so. Now is a good time to check your homeowner’s policy to find out if your home is covered. Some types of water damage may be covered, so it’s best to talk with your agent to be sure.
Swimming Pool Accidents
Swimming pools can be a great place to cool off during hot summer days, but they can also be a hazard. Accidents or injuries are a common problem, but your pool can also cause water damage to your home. For instance, if your pool causes water to leak into the basement of your home, you may or may not be able to file a homeowners insurance claim for the damage.
Furthermore, an insurance claim involving a swimming pool may be denied if you fail to follow the guidelines outlined in your homeowner’s policy. For example, your insurance company may require you to install a fence or pool gate. If you don’t abide by this rule, your claim will be denied.
Contact your agent to find out what your options are regarding swimming pool insurance claims.
Sometimes, a summer storm can bring cooling relief during the peak months of the season. But, it’s also the season for tornadoes, hurricanes, and dangerous thunderstorms with high winds.
If your home is damaged by a storm, your homeowner’s insurance claim may be denied for several reasons.
By failing to do roof repairs, gutter cleaning, or siding repairs that help water drain faster, your home could suffer water damage and mold after a storm. Now is the time to check your home to see what kind of repairs you need to take care of before a storm hits. Also, check your homeowner’s policy to make sure you have adequate coverage.
Contact Sandifer Insurance to Learn More About Summertime Insurance Claims
Now that you know what risks to look for during your summer backyard activities, you should take one more step to protect your home. Check your homeowner’s insurance policy to make sure you have the coverage you need.
If you need to switch insurance companies or upgrade your coverage, contact Sandifer Insurance Agency. One of our agents will assess your needs, evaluate your current policy, and provide a free quote. With our help, you will find the right coverage at affordable rates with a reputable company.
Sandifer is a family-owned, local business serving Cheraw, SC, and surrounding areas for over 40 years. With Sandifer, you’ll gain peace of mind knowing your home and family are adequately protected. Reach out to us by phone, email, or through our convenient online form to learn more about our services.
- nfpa.org/ – Home Grill Fires