Top Causes of Summertime Homeowners’ Insurance Claims

Summer brings many fun-filled moments filled with vacations, barbecues, and picnics. It’s the time when families and friends get together to enjoy the sunshine and make unforgettable memories. However, summer also comes with hazards that can damage your home and lead to significant homeowners’ insurance claims. Some of the leading causes of homeowners’ insurance claims during the summer season include natural disasters, accidents, and thefts. With this in mind, it’s vital to understand the causes and how to prevent them.

Natural Disasters: Thunderstorms, Tornadoes, and Hurricanes

Summer storms can roll in very quickly and last for hours, leading to significant rain and hail that can cause flooding, roof damage, and power outages. You can limit the damage caused by thunderstorms by ensuring your roof and gutters are sound, trimming the trees around your property, and avoiding overloading your electrical system with high power-consuming appliances.

Accidents: Fires and Water Damage

Fire accidents and water damage are yet another leading cause of homeowners’ insurance claims. You can minimize the chances of a fire incident by installing smoke detectors on every level of your house, avoiding smoking, and performing regular inspections for electrical faults. Water damage can also be prevented by fixing leaky pipes and inspecting areas prone to flooding regularly, such as basements.

Theft

Summer is the peak time for burglars, with warmer weather and longer daylight hours making it easier for them to break in unnoticed. You can effectively deter burglars by installing a security system complete with cameras, motion detectors, and floodlights, as well as bringing in your outdoor furniture and tools, and always locking doors and windows.

Conclusion

Protecting your home should be a top priority, especially during summertime when accidents and outdoor activities are more prevalent. By preventing natural disasters and protecting your property from accidents and theft, you might save yourself from making a severe insurance claim that leads to significant costs. At Five Star Claims Adjusting, we can help you navigate your homeowners’ insurance claim. Located in Polk County, FL, our public claims adjusters are trained to provide you with a free quote and get you the settlements you deserve. Contact us today to learn more about our services.