Talking With Insurance Companies

During the summer months, homeowners' insurance claims can originate for a variety of different reasons. However, there are some events that tend to be more common when the weather is warmer. If you are a homeowner, learn about some of these common claim scenarios and what you can do to avoid them by reading below.

Hail Damage

The warm weather created during the summer months creates the ideal atmosphere for storm development. In some parts of the country, these storms develop into massive systems that include everything from high winds to hail. The effects of these storms can leave behind an array of damages, including broken windows and missing roof shingles.

While there is nothing you can do to avoid these storms, you can take steps to ensure the fixtures around your home are in good condition. The better their condition, the less susceptible they will be to storm damage. Whether it is repairing any structural issues with your fence or ensuring your roof's shingles still have good integrity, these steps make your home more fortified for adverse weather. 

Liability Claims

The summer is the season for entertaining. The more you entertain, the more people you have in your home, and ultimately, the greater the risk of someone being harmed while visiting. In some instances, when someone is injured in the confines of your home or anywhere around the property, you could be financially liable. 

Whether it is someone who gets hurt while swimming in your pool or one of your child's friends who broke a bone while attending a sleepover at your home, it is essential that you are protected. Speak with your insurance agent to ensure you have suitable liability coverage in the event of an incident.

Home Floods

If you are a household with children, the summer months are probably when your home gets the most traffic. With that being said, if there is any system in your home needing dire repair, the excess traffic and usage will likely be enough to send it into failure. 

Take a washing machine in poor condition, excess use during the summer could cause the system to fail, leading to water leaks and subsequent water damage around your home. Ensure all your appliances and other home systems are properly maintained so that you can avoid a costly insurance claim. 

In the event you have damage to your home, be sure to contact your homeowners' insurance company to file a claim as soon as possible.