Avoid These Common Summertime Insurance Claims
Reading time • 6 minutes
By Matic
School’s out, temperatures are up, and vacations are in the works — it’s officially summer. But your next roadtrip or backyard barbecue could lead to a surprise insurance claim if you aren’t prepared. Filing just one claim can cause your premiums to spike. Let’s look at some of the most common home and auto insurance claims that are filed in the summer (and how to reduce your risk).
Common home insurance claims in the summer
Summertime is known for extreme weather, especially if you live in an area that’s prone to hurricanes or tropical storms. The summer months may also inspire you to gas up the grill and spend more time outside, which may include swimming. Here are some common risks that could result in an insurance claim.
Storm-related damage
Summer storms can leave serious destruction in their wake. Even minor storms can cause home and property damage. The largest share of claims are related to wind and hail, according to the most recent data from the Insurance Information Institute. Severe weather can whip through and affect your roof, windows, siding, landscaping, pool screens and more.
A 2022 Carbon Brief analysis of over 500 extreme weather events and trends found that 71% were made more likely or more severe by climate change. That appears to be increasing home insurance premiums. According to Matic research, those who renewed their policies in 2023 had an average increase of more than 23%. Rates are rising significantly in states that are prone to extreme weather.
3 ways to reduce your risk
- Take a look at your roof and siding to assess any pre-existing damage that could pose a threat this summer.
- Ensure your windows are sealed and leak-free. If you live in a hurricane-prone area, you might consider upgrading to storm windows.
- Trim any large trees on your property that could cause dangerous debris.
Fire
Nothing beats a summer barbecue, but you’ll want to make sure you do it safely. Every year, roughly 9,500 people are burned from grill fires or hot grills, according to the National Fire Protection Association (NFPA). July is the peak month for grill fires, and a quick-catching fire can easily spread to your home. The hot, dry summer months could also set the stage for wildfires if you live in an area that’s experiencing a drought.
3 ways to reduce your risk
- Keep grills at a safe distance from your home and overhanging branches.
- If you use a charcoal grill, let the coals cool and place them in a metal container when you’re finished.
- If it’s been a while since you used your propane grill, check the gas tank hose for leaks before grilling.
Poolside accidents
If your home has a pool, you probably use it more during the warm summer months. Pool safety should always be top of mind as drowning is a leading cause of death for children. Slippery pool decks can also lead to surprise injuries.
3 ways to reduce your risk
- Install a pool fence or safety alarm.
- Always supervise children when they’re swimming. Even if they’re strong swimmers, someone can get hurt if kids are horsing around in the water.
- Learn CPR and sign your kids up for swim lessons.
Common auto insurance claims in the summer
Summer is a popular time for road trips, which could increase your likelihood of filing an insurance claim. No matter where you are, you may be more susceptible to heat-related car issues. Below are some common risks to have on your radar this time of year.
Accidents
There tends to be a spike in motor-vehicle fatalities in July and August, according to the National Safety Council (NSC). That’s something to keep in mind if you’re planning a summer road trip as there may be more cars on the highway. If you travel during a holiday, like the 4th of July, drunk drivers may also pose a threat.
3 ways to reduce your risk
- Keep your focus on the road and your cell phone out of sight.
- According to the NSC, night driving is more dangerous. That’s due in part to limited visibility and a higher chance of encountering impaired or drowsy drivers. If possible, try to do the bulk of your driving during the day.
- Avoid speeding and tailgating.
Break-ins and theft
According to the National Highway Traffic Safety Administration, summer is the worst season for vehicle theft. Criminals typically go after valuable car parts and items that may be inside the car. If comprehensive coverage is included in your auto insurance policy, theft will likely be covered — but you’ll need to file a claim.
3 ways to reduce your risk
- Do your best to park in safe, well-lit areas.
- Don’t leave valuable items in your car.
- Always lock your car and keep your keys on you when you aren’t driving.
Heat-related breakdowns
Rising temperatures could wreak havoc on your car, especially if it’s parked outside in the sun for long stretches. Extreme heat can affect your vehicle’s battery, tires, and oil and fluid levels. It can also overheat your engine. Traditional car insurance policies don’t cover breakdowns and repairs, but adding roadside assistance could prove useful if you experience a heat-related issue. It may offer towing services, battery jump-starts, flat tire changes and more.
3 ways to reduce your risk
- Keep up with routine maintenance visits. That includes oil changes and tire rotations.
- If you suspect an issue with your cooling system, battery or other essential part of your vehicle, get it checked as soon as possible.
- Pay attention to your car’s temperature gauge and pull over if it’s running hot.
In some cases, filing an insurance claim may be unavoidable. That could cause your premiums to go up. Shopping around for a new home or auto policy might help you find a better rate with a new carrier. Matic makes that part simple, allowing you to easily compare reputable insurance carriers with just a few clicks.
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