When you think about summer, what comes to mind? Ice cream, frozen treats, swimming pools, water parks, barbecues, and sunburns. The season brings with it a host of activities that are perfect for beating the heat. The summer season may also lead to a significantly greater risk of injury.
Common property insurance is a type of policy that covers the shared spaces in a particular area. It’s important to have this coverage in place to protect your assets if damaged. Common Property insurance claims during the summer can be tricky, but there are ways that you can stay always protected.
- Outdoor Fire Insurance Claims
Summer can be a dangerous time for fires. Fire is not only a danger to lives and property, but it can also cause severe damage to the environment. If you experience a fire during the summer, your insurance company may deny your claim due to the extreme temperatures. If this happens, you may be able to get paid out for the damages if you have the proper coverage in place.
- Rental Insurance Claims
The summer months can be hectic for people who own property. This means they may not have time to tend to their properties as much as they would like. This can lead to increased vandalism and break-ins during this time of year, which is why renters must be aware of their rights regarding claims against them.
- Vandalism Claims
“Vandalism” refers to acts committed with malicious intent that are often disruptive or destructive. The summer months bring with them some of the most intense heat waves in many parts of the country and more people out and about at all times of day and night when you are least likely to see anyone around your property. While vandalism claims against renters don’t happen often, they do occur when renters fail to maintain their properties properly or keep up with maintenance on their property.
- Water Damage Insurance
Water damage is one of the most common claims homeowners have to deal with throughout the year. When you have water damage to your property, you must work with a reputable insurance company to ensure that you are appropriately compensated for your losses. According to the Insurance Information Institute, water damage claims can range from $1,000 to $100,000. More importantly, make sure you know beforehand what water damages you are covered for.
- Swimming Pool Insurance
Swimming pools are one of the most common amenities in many homes and apartments. Swimming pools are an excellent way for people to relax and cool off during the summer months, but when you have a claim against your pool, you will want to ensure that you have the proper coverage in place to help support your claim.
- Storage Insurance Claims
Many people use storage units throughout the year for various purposes, including storing furniture, moving supplies, and even clothing. When these items are damaged or lost due to fire, theft, or other causes, you must work with a reputable company to ensure that you receive the proper compensation for your losses.
- Car Accidents
Driving is a hazardous activity and can lead to many injuries and even death. Many people are injured in car accidents every year, which is why it is so important for drivers to be aware of their rights when it comes to car accident claims. According to the National Highway Traffic Safety Administration, approximately 36,000 people are killed, and an additional 500,000 are injured in car accidents yearly.
- Wind Damage Claims
Wind damage can occur during the summer months due to the strong winds that can blow through many parts of the country. When this happens, renters must work with a reputable insurance company to receive proper compensation for their losses.
By reading through these claims examples, you should better understand the types of claims in your area and what coverage you must have to help protect your property and belongings. Your best bet for good help with all insurance claims will be to find a good public adjuster in your area – click here to contact one.