Common Summer Insurance Claims And How to Avoid Them

 

 

Mitigating Risks for a Safe Summer

As summer arrives with its warm weather and outdoor adventures, it also brings a rise in insurance claims. From auto accidents to liability issues, increased burglaries, and home water damage, being aware of potential risks and taking preventive measures can help you enjoy a worry-free summer. In this blog post, we will explore some common types of insurance claims during the summer and provide tips on how to avoid them.

Auto Accidents:

The summer months see an uptick in traffic accidents, earning the period between Memorial Day and Labor Day the nickname of “The 100 Deadliest Days of Summer.” According to the Insurance Institute for Highway Safety (IIHS), there were approximately 10,822 fatal crashes during this period in 2021. Here’s how you can stay safe on the road:

• Avoid distracted driving: Put your phone away, designate a co-pilot for navigation, and keep your attention solely on the road.
•  Don’t drink and drive: Plan ahead and designate a sober driver or use rideshare services when consuming alcohol.
• Observe speed limits: Adhering to speed limits and adjusting your speed based on weather and road conditions can prevent accidents.

 

Liability Involving Swimming Pools:

Swimming pools are a quintessential part of summer, providing a refreshing respite from the heat. However, they can also be a source of potential liability. According to the Centers for Disease Control and Prevention (CDC), about 3,536 fatal unintentional drownings occurred annually between 2005 and 2014. To ensure pool safety:

•  Install a fence: according to the Centers for Disease Control and Prevention (CDC), having a four-sided isolation fence around a pool reduces the risk of drowning by approximately 83% compared to having no fence at all. 
•  Supervise at all times: Never leave children unattended near a pool, even for a moment. Designate a responsible adult as a designated “water watcher.”
•  Learn CPR: Knowledge of cardiopulmonary resuscitation (CPR) can be life-saving in the event of an emergency.

 

Homeowners’ Claims:

The summer season poses unique risks to your home, including increased burglaries and home water damage. Consider the following tips to protect your property:

Burglary

During the summer holidays and vacations, burglaries tend to rise. In fact, according to the Federal Bureau of Investigation (FBI), there were approximately 1,230,149 burglaries reported in the United States in 2020. To safeguard your home:

• Install a home security system: A study by the University of North Carolina at Charlotte found that homes without security systems are 2.7 times more likely to be targeted by burglars.
• Reinforce doors and windows: Stronger entry points can deter potential intruders. Use deadbolts, secure windows with locks, and reinforce door frames.
• Maintain visibility: Trim shrubs and bushes near windows and entrances, ensuring clear visibility from the street.
• Keep a well-lit exterior
• Inform trusted neighbors or family members about your travel plans, so they can keep an eye on your property.

 

 

Water damage

Summer storms can lead to water damage, costing homeowners substantial amounts. According to the Insurance Information Institute (III), water damage accounted for approximately 19% of homeowners’ insurance claims between 2015 and 2019. Take these precautions:

• Clean gutters and downspouts: Clogged gutters can lead to water overflow and potential damage. Regularly clean gutters and direct downspouts away from the foundation.
• Inspect your roof: Damaged or missing shingles can allow water to seep into your home. Check your roof periodically for any signs of damage and address them promptly.
• Install a water leak detection system: An automated water leak detection system can provide early warnings of potential leaks or pipe bursts, helping you mitigate damage and minimize repair costs.

As summer unfolds, it’s important to be mindful of potential risks and take proactive steps to prevent common insurance claims. By following these tips, you can minimize the risks associated with auto accidents, swimming pools, burglaries, and home water damage. Remember, an ounce of prevention is worth a pound of cure when it comes to insurance claims. Stay safe, protect your property, and enjoy a worry-free summer!

Should you have any questions regarding your current coverage or want further information on personal lines of insurance offered by Basin Pacific Insurance, click here, or contact us at (509) 765-4785.