• Jason Cribb

Top 5 Insurance Claims to Avoid on the 4th of July.

Happy 4th of July!

The Fourth of July is here and we’re gearing up to celebrate with family and friends.  This year you may be hosting a party while grilling burgers, hotdogs and probably setting off fireworks.  But before heading out to buy party supplies and fireworks make sure you are set for a safe, claims free Fourth of July. 

All insurance policies are different.  So it is hard to say what you are covered for under your policy and pinpoint what you may be at risk for.  Read over your insurance policies to determine you have to right coverage to protect you in the event of a loss.

Read the information below of common claims filed during Fourth of July and what you can do to avoid them.

5 Fourth of July Insurance Claim Risks

Auto Accidents pose higher risks during the holidays because there are more drivers on the road and a greater chance of drinking and driving.  If you will be hosting a party and offering alcohol keep an eye on everyone so that they do not get behind the wheel.  You could be held liable if you or your guests cause an accident and have been drinking at your home or event.

Drowning Risks during the summer happen more frequently as there are more people wanting to get in the water and enjoy the sun.  According to the USA Swimming Foundation, at least 163 children under the age of 15 drowned between Memorial Day and Labor Day of 2017.  It can only take a few seconds for anyone to drown in a ocean, lake or pool, even those small kid size pools.  The best thing you can do is make sure all children have a knowledge of swimming and never leave them unattended.  Even if there are lifeguards around make sure you and your family have appropriate safety equipment on.

Boating Incidents can occur at any time so if you are heading to the lake or beach be extra cautious.  If you are hosting a party, it is illegal, dangerous to operate a boat while under the influence of alcohol.  Have someone else operate the boat if you will be planning on drinking.  Before you go out in the water ensure your policy is current.  Also make sure everyone on board has life preservers and teach them about boat safety.  When passengers want to get out and swim make sure that you turn off the engine.

Cooking Fires, according to the U.S. Fire Administration, are the leading causes behind structural fires.  When you are grilling outdoors make sure to place the grill far enough from the home.  Placing grills at a safe distance from your home can stop a spark from igniting your home.  For outdoor grills with a grease trap, make sure to empty it as it can easily catch fire.  You can avoid a fire by having someone always tending to the grill and no one playing around it.  You can prevent grill fires by checking connections between propane tank and fuel line while not overfilling propane tank.  Avoid lighting an already-lit grill and douse hot coals with water to guarantee fire is out.

Fireworks are legal in a lot of states, but many counties and cities forbid them so check with local authorities beforehand.  If you are not sure how to handle fireworks leave to the professionals.  You can always attend a Fourth of July firework display around your city or neighboring county.  By leaving fireworks to others, you can also avoid a trip to the emergency room.  But if you are determined to use fireworks and your county allows, remember these safety tips.  Keep children away from fireworks, always have adult supervision, watch fireworks from a safe distance and purchase fireworks from reputable vendors.

Have a Happy and Safe 4th of July - Cribb Insurance Group

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