Summer is a busy time for homeowners, especially when it comes to maintaining their properties. With warm weather comes an increase in home insurance claims related to wind, hail, electrical fires, and water damage from storms. To help homeowners protect their investments, Central Insurance has shared important summer maintenance tips.
According to the Insurance Information Institute, wind and hail are the leading causes of property damage claims, particularly during the summer months. This makes it vital for homeowners to take proactive steps to prevent damage and ensure safety.
Central Insurance recommends ten essential maintenance tasks for the summer season. First, cleaning gutters and downspouts is crucial. Clogged gutters can cause water to back up, potentially leading to roof or foundation damage. Homeowners should remove debris and ensure water flows freely away from their homes.
Next, trimming trees and shrubs is advised. Overgrown branches can pose a risk during storms, so it’s important to cut back any that hang over roofs or near power lines. For larger trees, hiring a professional can be a smart choice.
Inspecting roofs and siding is also essential. Minor damage can lead to significant issues, such as leaks or mold growth. Homeowners should check for missing shingles and any signs of wear or pests.
Another important task is servicing HVAC systems. With high summer usage, ensuring filters are clean and systems are functioning properly can prevent breakdowns and reduce fire risks. Regular maintenance by a licensed technician is recommended.
Outdoor safety is another focus. Homeowners should secure furniture and grills to prevent them from becoming projectiles in high winds. Additionally, sealing pest entry points around the home can help keep unwanted animals from causing damage.
Safety equipment should not be overlooked. Testing smoke and carbon monoxide detectors is important, especially with increased cooking and appliance use in the summer. Regular checks and battery replacements can save lives.
For those with pools, reviewing safety measures is crucial. Ensuring proper fencing and supervision can prevent accidents and liability claims.
Preparing for summer storms is another key step. Homeowners should assemble emergency kits and know how to shut off utilities if necessary. Clearing yard debris and securing loose items can mitigate storm damage.
Lastly, reviewing insurance coverage is vital. Homeowners should consult with their insurance agents to ensure they have adequate protection against common summer risks.
By following these maintenance tips, homeowners can safeguard their properties and enjoy a worry-free summer. Central Insurance emphasizes that being proactive not only protects homes but also provides peace of mind during the season. For those seeking guidance, connecting with a local Central agent can help ensure proper coverage and support.