Home Insurance

Four common summer home insurance claims — and how to avoid making them

By: Caitlin McCormack on July 21, 2021
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Summer might be a time for relaxing and enjoying some time away, but it’s also a prime time for several types of home insurance claims. Whether it’s because the home is empty while you’re on vacation or damage from inclement weather, these are just some of the more common home insurance claims made in the summer. 


Summer storms can bring with them a lot of rain, which can cause flooding and water damage if your basement is not adequately waterproofed. Flooding can cause significant damage to your property and belongings, whether it’s from water entering the home through a window, or via a sewage backup. 

Installing a backwater valve and a sump pump can help to keep you protected — and save on premiums. Keep your eavestroughs clear and your downspouts pointing away from the home, and avoid storing valuables in the basement. Reducing your household water consumption during periods of heavy precipitation will also help your home’s system be able to manage any potential backup. 

Hail and wind damage

Summer storms can result in hail and wind damage, which is why it’s important to review your current home insurance coverage to make sure you’re protected. If you know a storm will be coming, secure patio furniture or any other outdoor items that could become dislodged and cause damage to the home. You will also want to protect any windows, including skylights, to help mitigate risks.

No matter whether your claim is the result of a natural disaster or simply an accident, it’s a good idea to do a thorough home audit and property assessment about once a year in order to ensure you’re up to date on the contents of your home, and that your valuables are fully protected. 

Fire damage

Summer is a time when people enjoy activities such as barbecuing and backyard fires, which increase the risk of fire damage to the home. Fireworks can also result in fire-related damages to properties, as can natural disasters such as wildfires. 

Flames can easily get out of control and cause significant damage, which is why it’s important to always practise fire safety, and keep an extinguisher close by. You should also be mindful to keep your grill away from the side of your home, and not leave your grill or a fire unattended. Any damage caused by a fire to your personal property and belongings should be covered under your standard homeowners insurance policy.


With more people away on vacations during the summer months, it’s a prime time for thieves looking to make the most of the opportunity, resulting in an increase in burglaries during the summer months. Homeowners can take some steps to protect their belongings whether they’re gone for a couple of nights or a couple of weeks. 

Adding motion sensor lights to the property or installing a home security system can help to keep your property secure. You can also run lights on a timer to give the appearance that someone is home. Finally, you might consider hiring a house sitter or having a friend stay in your home if you’re going to be away for an extended period of time.