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Common Summer Insurance Claims and Prevention Tips in New England

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Summer in New England is a time for outdoor adventures, beach trips, and family gatherings. However, it also brings unique insurance risks. To enjoy the season in full, it is crucial to be aware of common summer insurance claims in the region and understand how to prevent them. Taking proactive measures can help ensure a safe and worry-free summer.


1. Storm Damage


Although New England summers are typically enjoyable, they can also bring about severe thunderstorms, hurricanes, and even tornadoes, which have the potential to cause extensive damage to homes, vehicles, and other properties.


Tips for Prevention:

- Home Upkeep: Make sure your residence is properly maintained by cleaning gutters and trimming trees. Secure outdoor furniture and other objects that could turn into projectiles during strong winds.

- Storm Protection: Set up storm shutters or impact-resistant windows to safeguard against airborne debris.

- Insurance Review: Check your homeowner's insurance policy to verify coverage for storm-related losses, such as wind and flood damage. If you reside in a flood-prone region, think about adding flood insurance.


2. Water Damage


Water damage claims are common in summer due to heavy rains, flash floods, and issues like burst pipes or faulty plumbing systems.


Tips for Prevention:

- Sump Pump: Make sure your sump pump is functioning properly and think about setting up a backup system.

- Check Plumbing: Routinely inspect for leaks and promptly fix any problems.

- Good Drainage: Keep proper drainage around your property to avoid water buildup and infiltration into your home.


3. Auto Accidents


With the influx of tourists and residents traveling for vacations, the roads in New England can become congested, leading to an increased risk of auto accidents.


Prevention Tips:

- Defensive Driving: Utilize defensive driving skills, particularly in congested traffic and unknown locations.

- Vehicle Maintenance: Ensure your vehicle is well-maintained by routinely inspecting tires, brakes, and fluid levels.

- Drive Sober: Avoid driving while under the influence of alcohol or drugs, and be cautious of medications that may affect your driving capabilities.


4. Boating Accidents


New England’s numerous lakes, rivers, and coastal areas make boating a popular summer activity. However, it also leads to an increase in boating accidents and related insurance claims.


Prevention Tips:

- Participate in a Boating Safety Course: Enroll in a boating safety course to learn navigation rules and emergency procedures.

- Life Jackets: Make sure that all individuals on the boat wear life jackets continuously.

- Stay Weather Aware: Review weather forecasts prior to departure and refrain from boating in unfavorable conditions.


5. Home Burglaries


Summer vacations often mean homes are left unoccupied, making them targets for burglaries.


Tips for Prevention:

- Security Systems: Set up a home security system that includes alarms and cameras.

- Neighborhood Watch: Share your travel itinerary with reliable neighbors and request them to watch over your property.

- Secure Entryways: Double-check that all doors and windows are properly locked when you go out.


6. Pool Accidents


For those with backyard pools, the risk of accidents and injuries increases during the summer months.


Prevention Tips:

- Supervision: Never leave children unattended near the pool. Ensure a responsible adult is always supervising.

- Pool Fencing: Install a fence around the pool with a self-latching gate to prevent unsupervised access.

- Safety Equipment: Keep life-saving equipment, such as life rings and reaching poles available.


7. Fire Damage


The combination of outdoor grilling, campfires, and fireworks can lead to an increased risk of fire-related incidents.


Prevention Tips:

- Grill Safety: Make sure to maintain and clean your grills regularly, and always use them at a safe distance from your home or any flammable structures.

- Fire Pits: Safely use fire pits by keeping them away from buildings and trees, and never leave them unattended.

- Fireworks: Follow the guidelines of the local regulations on fireworks and use them responsibly. It's advisable to attend public displays rather than setting off fireworks at home.


8. Heat-Related Illnesses


While not an insurance claim in the traditional sense, heat-related illnesses can lead to medical expenses and impact your overall well-being.


Prevention Tips:

- Hydration: Stay hydrated by drinking plenty of water throughout the day.

- Protective Clothing: Wear light, breathable clothing and use sunscreen to protect against sunburn.

- Limit Exposure: Avoid prolonged exposure to the sun, especially during peak hours. Take breaks in shaded or air-conditioned areas.


During the summer months in New England, there are numerous chances for fun, yet there are also certain dangers that may result in insurance claims. By being proactive and following the prevention advice mentioned earlier, you can greatly lessen the chances of facing these typical summer challenges. It is crucial to keep your insurance policies current and ensure they offer sufficient coverage to safeguard your belongings and offer peace of mind. If you have any questions or need assistance, reach out to Molinari Insurance—we are here to help. Make the most of the summer season by staying safe and ready.

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