What are the Most Common Property Damage Claims In Summer? Read More at the JFPA Blog.

During the summer season, several property damage claims become more common due to various factors related to weather, outdoor activities, and increased usage of certain amenities.

Water Damage: Summer storms, heavy rains, and flash floods can lead to water intrusion, basement flooding, and roof leaks. Additionally, increased usage of pools, sprinkler systems, and outdoor water fixtures can result in water-related incidents.

Hail Damage: Severe summer storms can produce large hailstones that can cause extensive damage to roofs, windows, siding, and vehicles.

Wind Damage: High winds associated with summer storms can lead to fallen trees, branches, and debris, causing damage to property exteriors and structures.

Fire Damage: Summer months often see an increase in outdoor activities like barbecues, bonfires, and fireworks, which can result in accidental fires damaging homes and properties.

Lightning Strikes: Lightning storms during summer can cause electrical surges and fires, leading to damage to electrical systems, appliances, and electronic devices.

Roof Damage: Constant exposure to the sun’s UV rays and the occasional severe weather can lead to roof deterioration and leaks.

HVAC System Failure: The increased usage of air conditioning systems during hot summer months can put a strain on HVAC units, leading to malfunctions or breakdowns.

Grill Accidents: Barbecue grills can pose a fire hazard if not used correctly, leading to damage to property and injuries.

Vehicle-Related Accidents: Higher volumes of vehicles on the road during summer vacations and travel can lead to an increased risk of vehicle-related accidents causing property damage.

Preventing property damage caused by common summer-related incidents requires a combination of proactive measures, regular maintenance, and responsible behavior. Here are some preventive steps to help safeguard your property during the summer:

Water Damage Prevention:

Ensure proper drainage systems are in place to redirect rainwater away from the foundation.

Regularly inspect and maintain roofs, gutters, and downspouts to prevent leaks and clogs.

Install and maintain sump pumps in basements to prevent flooding.

Repair any cracks or gaps in windows, doors, and walls to prevent water intrusion.

Monitor indoor plumbing for leaks and address them promptly.

Hail and Wind Damage Prevention:

Trim trees and branches near the property to minimize the risk of falling debris during storms.

Secure outdoor furniture, grills, and other objects that could become projectiles in high winds.

Reinforce windows and doors to withstand hail impact.

Regularly inspect the roof for loose or damaged shingles and repair them promptly.

Fire Safety:

Keep a safe distance between grills, bonfires, or fireworks and structures.

Use a spark screen when using fire pits or outdoor fireplaces.

Have fire extinguishers readily available and ensure they are in working condition.

Follow local regulations and safety guidelines for fireworks.

Lightning Safety:

Install a lightning protection system for the property.

Unplug electronic devices during thunderstorms to prevent damage from electrical surges.

Roof Maintenance:

Schedule regular roof inspections and maintenance to detect and address any issues promptly.

Replace damaged or worn-out roofing materials.

HVAC System Maintenance:

Change air filters regularly to maintain the efficiency of the HVAC system.

Schedule routine maintenance and check-ups for the HVAC unit.

To mitigate the risks associated with these common property damage claims during the summer, homeowners should take preventive measures such as regular roof inspections, securing outdoor items during storms, practicing safe grilling techniques, and ensuring proper maintenance of HVAC systems and swimming pools. By taking these preventive measures, property owners can significantly reduce the risk of property damage during the summer. Additionally, staying informed about weather forecasts and adhering to safety guidelines will further enhance property protection.

In the event of damage, homeowners should promptly document the losses and contact their insurance provider to initiate the claims process. Seeking the assistance of a reputable public adjuster like JF Public Adjusters can ensure an efficient and fair insurance claims process to help recover losses and restore the property to its pre-damage condition.