Homeowner Insurance Claims That Are Frequently Filed in the Summer

You may make various improvements to your house to help it prepare for the summer and prevent filing an insurance claim. By better preparing your home, you may, among other things, limit further damage to certain portions of it and make sure that your insurance company will pay for any damage that results from a storm or other sort of damage.

Furthermore, insurance companies will probably find it difficult to pay you during the house insurance claim procedure if you do not keep track of any damages around your property. Regrettably, denied claims are frequently seen in this circumstance and are far more difficult to appeal. Spend some time on simple house maintenance tasks at the end of the day. When you need to submit a claim, it will be beneficial to you in the long term.

Types of homeowner insurance claims that are frequently filed in the summer

1.) Claim For Outdoor Fire Insurance

Outdoor flames, such as bonfires, cookouts, grills, etc., can seriously harm your home or property. This one might seem pretty clear. Accidents sometimes occur, and if any fire is involved, the expense of repairing your property can add up rapidly. According to an NFPA analysis, between 2014 and 2018, gas grills were used in an average of 8,900 residential fires annually. That is a large number of fires, extensive property destruction, and financial loss.

As we previously advised, take the time to clean your grills and fire pits. Doing this, you may assist stop any potential fire from spreading and avoid having to submit a home insurance claim if your property is damaged.

2.) Insurance Claim For Water Damage

Water damage is a problem that many homes have year-round, including in the summer. Rainstorms and thunderstorms can transport a lot of water quickly. A flood could result in significant structural damage. Not to mention that certain items in your house or property will get damaged. Some cannot be repaired, but some can with a little extra labor. The worst part of a water damage claim is that your current coverage might not cover it.

Due to the excessive expense of repairs, most homeowner insurance policies specifically do not identify floods as a covered danger. It is common for insurance companies, particularly smaller ones, not to include flood coverage in a regular policy. For this, you might need to purchase separate flood insurance under your home insurance. You might be able to collect the money from smaller water damage claims. In any event, it's crucial to submit a claim if you have any water damage. If you are confused about whether water damage will be covered, always check your insurance policy.

3.) Insurance Claim For A Swimming Pool

Although it might sound strange, swimming pools are a relatively typical summertime hazard. In this instance, we are referring to swimming pool-related mishaps or injuries and potential water damage. Consider the scenario where you discover a water leak in your basement caused by your pool. You may be able to get it fixed by your insurance provider because your policy can cover this.

However, let's discuss the other option. What happens if there is an injury related to your pool? You may discover that your claim has been refused after you submit it. This is because you might not have abided by the rules outlined in your policy. Your insurance provider will include several provisions in your policy that you must abide by to protect yourself. You must adhere to whatever is said, whether it is a requirement that you build a fence or a pool gate. Your claim will be rejected if the insurance adjuster determines that you broke the terms of the agreement.

4.) Insurance Claim For Storm Damage

The worst storm kinds occur during the summer. Hail, tornadoes, and hurricanes are a few examples. The start of the summer is the ideal time to make any necessary repairs to your home while the weather is still pleasant. We advise repairs to your roof, siding, gutters, and anything else that can help water drain quickly from your property and avoid causing mold damage.

It will be challenging to negotiate your claim if an insurance adjuster notices poor maintenance on the house before the storm damage. Additionally, storm damage can escalate in cost quickly, just like fire damage. As we previously mentioned, if you don't have the right kind of coverage, it could be difficult for you to obtain the funds necessary to restore your property.