Preventing Summer’s Top 3 Insurance Claims

Before you know it, school will be out for kiddos, the weather hits 80 degrees, and the summer season will be here! With that kept in mind, it’s important to start preparing now for common insurance claims that occur during the warmer seasons such as spring, and especially summer time. There are 3 different claims that happen most often, and we are going to give you some insight, and tips on how to avoid those situations happening to you, or loved ones.

Outdoor fires

 There is nothing like enjoying a summer afternoon on the patio, with the grill fired up, and smelling the sweet aroma of barbecue. An ideal afternoon can quickly turn into a disaster if precautions aren’t taken to safely grill, and barbecue food. When grilling, be sure to pick a location where there are no flammables, and always keep an eye on the grill. Once you are finished grilling for the day, double check that there are no remaining embers, and that the fire is fully put out before leaving.


We have all attended a pool party, come home from a long day at work, and wanted to unwind in the backyard pool, or have taken the kids to the neighborhood pool in the summer. With this in mind, we have to make sure that we pay close attention to who’s in the pool, if there is a life guard present, and/or a responsible adult. If you have your own pool, consider getting a fence around your pool to protect yourself if anyone were to accidentally fall in. This helps if you do have to make an insurance claim, and prevent your rates from rising.

Car Accidents

With the kids being home for the summer season, there is no better time to go visit out-of-state family members, take a road trip, or visit an amusement park. Before embarking on a trip, take your car to get maintenance, and get the okay that your vehicle is safe to drive. In addition to this, double check your insurance policy with your agent to make sure your coverage is up date. If you have teenagers who are drivers, explain to them what distracted driving is, and possible hazards they could encounter while on the road.

We hope with all of these tips, and tricks that everyone will have a safe, and enjoyable summer with friends, and family. If you have questions about your insurance policies or need advice on your current coverage, please do not hesitate to reach out to Dave @ (443) 794-3967!