Now that summer is here we’ve got warmer weather, kids out of school, and a vacation season that is now in full swing. While summer promises plenty of fun in the sun, it also brings with it some increased risks that can lead to insurance claims. From fender benders on road trips to injuries around the pool, summertime activities open the door for potential mishaps. But a little preparation can go a long way in keeping your summer claim-free. 

Insurance Claim Factors

Insurance claims tend to happen due to regional factors, weather patterns, and lifestyle choices. Here are some of the most common insurance claims during the summer season and ways to prevent them. 

Property damage due to fires

Common causes: grilling accidents, firework mishaps, and electrical malfunctions are leading causes of fires during the summer. Grilling accidents often occur due to improper maintenance of grills or leaving them unattended. Firework mishaps can happen when fireworks are used improperly or in unsafe locations. Electrical malfunctions, such as overloaded circuits or faulty wiring, can lead to house fires, especially during hot summer months. 

Prevention Tips: keep a fire extinguisher handy when grilling and maintain a safe distance from flammable materials like your house, deck railings, and overhanging branches. Never leave grills, fire pits, or candles unattended. Use fireworks responsibly and follow local laws and regulations. Only light fireworks in a clear, open area away from buildings and trees. Ensure your home’s electrical system is up-to-date and properly maintained. Be aware of signs of electrical issues such as flickering lights, frequent tripping of circuit brakers, or burning smells from outlets. 

Auto accidents

Common causes: increased traffic, road construction, and distracted driving contribute to a higher risk of auto accidents during the summer. Increased traffic on roads and highways, especially during holidays and vacation seasons, can lead to congestion and accidents. Road construction zones pose additional hazards with narrowed lanes and reduced speeds. Distracted driving, such as texting or using a phone while driving, can significantly increase the risk of accidents. 

Prevention tips: practice defensive driving and avoid distractions such as texting or using a phone while driving. Ensure your vehicle is in good condition by scheduling regular maintenance check-ups including tire checks, brake inspections, and fluid top-ups. Plan your routes in advance to avoid construction zones and heavy traffic areas if possible. Review your auto insurance policy to ensure you have sufficient coverage for accidents, including liability, collision, and comprehensive coverage. 

Pool incidents

Common causes: Drowning, slips and falls are common pool related incidents during the summer, especially involving children. Drowning incidents often occur due to lack of supervision or barriers such as fences around pools. Slips and falls can happen on wet pool decks or when entering or exiting the pool. 

Prevention tips: Install a fence around your pool with a self-closing gate to prevent unsupervised access. Always supervise children when they’re in or near the pool, even if they know how to swim. Enroll yourself and your family members in swimming lessons to improve water safety skills. Establish and enforce pool rules such as no running, or rough play around the pool area. Encourage the use of pool ladders or steps to enter and exit the pool safely to avoid slips and falls. 

Burglaries and Theft

Common causes: Longer daylight hours and vacation travel make homes more vulnerable to burglaries during the summer. Burglars may target homes that appear unoccupied or have easy access points such as unlocked doors or windows. Vacation travel can also tip off burglars to empty homes. Signs of accumulated mail or uncut lawns can indicate no one is home.

Prevention tips: install a home security system with cameras and motion sensors to deter burglars. Use timers to turn lights on and off to create the illusion of occupancy when you’re away. Make sure all doors and windows are closed and locked before you leave your house even if you’re just going to work for the day. Inform trusted neighbors or friends when you’ll be on vacation and ask them to keep an eye on your property. 

While summer is a time for relaxation and fun, it’s essential to remain vigilant and proactive in preventing common insurance claims. By understanding the common causes of accidents and implementing safety measures, you can minimize the risk of accidents and protect your property and loved ones. Contact us to get/review an insurance policy that has coverage for these types of incidents like homeowner’s insurance at 413-464-9390. Remember, prevention is key when it comes to staying safe and enjoying a worry free summer. Stay informed, stay safe, and make the most of your summer season!