Common Summer Insurance Claims in Georgia

Hey Loganville! Summer is almost here, bringing with it all the sunshine, road trips, cookouts, and outdoor fun. But did you know that summer also brings an increase in certain types of insurance claims?

At Arrow Insurance Agency, based right here in Loganville and serving the greater Atlanta area—including Alpharetta and Marietta.

Here’s what you need to know about the most frequent summer insurance claims and how to stay covered.

Homeowners Claims

Summer in Georgia can bring unpredictable weather, from sudden thunderstorms to high winds. These conditions can pose serious threats to your home. Understanding how to prepare for and handle these weather-related issues can save you a lot of headaches.

Stormy Weather and Water Issues

​Georgia summers can bring some intense weather. From heavy rains to lightning storms, the potential for damage to your home increases. Here’s how to prepare:

• Roof Check: Inspect your roof for any loose or missing shingles and get them fixed.
• Gutter Maintenance: Clear your gutters to prevent water damage.
• Secure Loose Items: Make sure outdoor furniture, grills, and decorations are secure to prevent them from being damaged or causing damage during a storm.

Water damage is another big concern. Whether it’s from a heavy rainstorm or a burst pipe, water can cause significant damage. To mitigate this risk:

• Inspect for Leaks: Regularly check your plumbing for any signs of leaks and fix them promptly.
• Sump Pump Installation: If your home is prone to flooding, consider installing a sump pump to keep your basement dry.
• Elevate Electrical Items: Keep electrical appliances and systems off the ground to prevent damage in case of flooding.

Fire Hazards

Summer wouldn’t be the same without backyard barbecues and fireworks. But these fun activities come with increased fire risks. Understanding how to safely enjoy these summer staples can help prevent accidents and potential insurance claims.

Barbecues and Fireworks

​Summer wouldn’t be the same without backyard barbecues and fireworks. But these activities also increase the risk of fire. Fire-related claims often spike during the summer. Here’s how to enjoy safely:

• Grill Safely: Always grill outdoors and away from your home and any overhanging branches. Keep a fire extinguisher nearby.
• Firework Safety: Use fireworks outdoors in a clear area. Keep a bucket of water or a hose nearby, and never relight a dud firework.
• Campfire Safety: Never leave a campfire unattended, and make sure it’s completely out before you leave.

Auto Accidents

With summer comes more opportunities for road trips and weekend getaways. Whether you’re heading to the mountains, the coast, or just enjoying a drive around town, you’ll likely notice an increase in traffic. This uptick can lead to a higher risk of accidents. Let’s take a look at some tips to keep you safe on the road.

More Miles, More Traffic

​Summertime means road trips and more vehicles on the road. Whether you're heading to the mountains, the coast, or just cruising around town, the increase in traffic can lead to a higher chance of accidents. Here are some tips to stay safe:

• Stay Focused: With more distractions like texting and talking, it’s important to keep your attention on the road.
• Plan Your Journey: Check your route, traffic updates, and give yourself extra time to reach your destination safely.
• Vehicle Check: Make sure your car is in good shape before any long trips. Check your tires, brakes, and fluids to avoid breakdowns.

Accidents can happen even with the best preparation. Comprehensive auto insurance can help cover repairs and medical costs if you're involved in a collision.

Boating Accidents

With the lure of lakes and rivers, boating becomes a popular activity during the summer. But increased boating activity can also lead to accidents. Here’s how to ensure your time on the water is both fun and safe.

Stay Safe on the Water

​With lakes and rivers calling, boating becomes a popular activity during the summer. However, increased boating traffic can lead to more accidents. Here’s how to stay safe:

• Life Jackets: Make sure everyone on board wears a life jacket, regardless of their swimming ability.
• Follow the Rules: Adhere to all boating regulations, including speed limits and no-wake zones.
• Avoid Alcohol: Just like driving, boating under the influence is dangerous and illegal.

Boating insurance can help cover damages and liability in case of an accident, so ensure your policy is current before you set sail.

Personal Injury Claims

Summer is the perfect time for outdoor activities like swimming, biking, and hiking. While these activities are great for staying active, they can also lead to injuries. Knowing how to stay safe can help you avoid trips to the emergency room.

Outdoor Fun and Injuries

​Summer is perfect for outdoor activities like swimming, biking, and hiking. While these activities are great for staying active, they can also lead to injuries. Here’s how to stay safe:

• Protective Gear: Always wear helmets, pads, and appropriate footwear.
• Hydrate: Drink plenty of water, especially during intense physical activities.
• Know Your Limits: Don’t push yourself too hard. Listen to your body and take breaks when needed.

If you’re hosting events or have a pool, ensure your homeowners insurance covers potential liabilities.

Dog Bites

With more people and pets enjoying the outdoors, the likelihood of dog bites increases. Understanding how to manage your pets and interactions can help prevent incidents.

Pet and People Interactions

​With more people and pets outdoors, the chances of dog bites increase. To prevent incidents:

• Supervise Pets: Keep an eye on your dog around unfamiliar people or other animals.
• Train Properly: Teach your dog to respond to basic commands and socialize them well.
• Know Your Dog: If your pet is anxious or aggressive, keep them on a leash or in a secure area.

Rental Property Claims

Summer is a popular time for short-term rentals. If you own rental properties, this season can bring more wear and tear. Here’s how to protect your investment.

Summer Rentals and Wear and Tear

​If you own rental properties, summer can be a busy time with short-term rentals. With more tenants, the risk of damage increases. Here’s how to protect your property:

• Tenant Screening: Conduct thorough background checks and verify references.
• Clear Rules: Provide tenants with guidelines to minimize damage and ensure they know what’s expected.
• Regular Inspections: Perform regular inspections to catch any issues early.

Swimming Pool Accidents

Pools are a summer staple, but they also come with risks. Poolside safety can help prevent accidents and make your summer more enjoyable.
Poolside SafetyPools are a summer staple, but they also come with risks. Here’s how to keep everyone safe:

• Supervise Swimmers: Always watch children and inexperienced swimmers. Never leave them unattended.
• Install Safety Features: Use pool covers, fences, and alarms to prevent accidents.
• Educate on Safety: Teach children how to swim and ensure everyone knows pool safety rules.

Arrow Keeps You On Target With Coverage

As homeowners here in Loganville, my family knows it is all about enjoying the outdoors, but it’s also a time to be cautious and prepared. By understanding the most common insurance claims and taking proactive steps, you can protect yourself, your family, and your property.

At Arrow Insurance Agency, we’re here to help you stay covered and enjoy a worry-free summer. As an independent insurance agency in Loganville, we provide many options for your coverage and budget. If you have any questions about your insurance needs or want to review your policies, give us a call. Let's make this summer safe, fun, and memorable!

Get on target with your insurance coverage

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Zaheed Hussain
​​Owner/Licensed Agent

Our aim is to hit the bullseye every time when it comes to providing our clients with the best Georgia home insurance coverage available at the best value. We also provide many other coverages for auto, business, life, and health. 

​Phone: (770) 692-7500
Email: [email protected]
Loganville, GA