Summer is one of the busiest seasons for home insurance claims. Wind and hail, electrical fires, water damage from sudden storms, and liability risks from pools and outdoor activities all tend to spike in the warmer months, making summer home maintenance tips like the ones below essential in keeping your property protected.
Did You Know: The Insurance Information Institute ranks wind and hail as the most common causes of property damage claims—and many occur during summer storm season.
Here, the loss control experts at Central outline summer home maintenance tips to help protect your home, prevent claims, and give you peace of mind all season long.
1. Clean Your Gutters and Downspouts
Why it matters: Clogged gutters can lead to water backing up into your roof, attic, or foundation, especially during sudden summer storms.
Action steps:
- Use gloves and a small scoop to remove leaves, twigs, and sediment.
- Flush gutters with a hose to ensure proper flow.
- Check downspouts for clogs and position them to direct water at least 5 feet from your home’s foundation.
2. Trim Trees and Shrubs
Why it matters: Overgrown or damaged branches can fall during storms, damaging your home, vehicles, or power lines.
Action steps:
- Trim branches that overhang your roof, deck, or windows.
- Remove dead limbs and inspect trees for signs of disease or rot.
- Hire a certified arborist for larger jobs or trees close to utility lines.
Learn More: Does Homeowners Insurance Cover Fallen Trees?
3. Inspect Your Roof and Siding
Why it matters: Even minor roof or siding damage can allow water into your home, leading to mold or structural issues.
Action steps:
- Look for missing shingles, cracked flashing, and signs of wear.
- Examine siding for warping, peeling, or gaps where pests or moisture could get in.
- Schedule a professional inspection if you’re unsure or spot signs of water staining indoors.
Read On: Summer Safety Tips: Expert Advice from Central
4. Service Your HVAC System
Why it matters: HVAC systems work overtime in summer—and clogged filters or worn parts can cause fires or breakdowns.
Action steps:
- Replace air filters (every 1–3 months during high-use seasons).
- Clean air vents and vacuum around returns and units.
- Schedule a licensed HVAC technician for a seasonal inspection and tune-up.
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5. Secure Outdoor Furniture and Grills
Why it matters: High winds can turn patio furniture or grills into dangerous projectiles.
Action steps:
- Use furniture anchor kits or bungee cords to secure heavy items.
- Store cushions, umbrellas, and lightweight décor when storms are forecast.
- Keep grills at least 10 feet from your house or garage and check gas lines regularly for leaks.
6. Seal Up Pest Entry Points
Why it matters: Rodents, insects, and small animals can damage insulation, chew wires, and increase fire risk.
Action steps:
- Inspect the exterior of your home for cracks, holes, or unsealed vents.
- Use caulk, steel wool, or foam sealant to block small openings.
- Trim vegetation and store firewood away from the home to reduce nesting spots.
7. Test Smoke and Carbon Monoxide Detectors
Why it matters: Fire risks rise with increased summer cooking, appliance use, and electrical load.
Action steps:
- Test each detector monthly by pressing the “test” button.
- Replace batteries at least once a year—or sooner if the device chirps.
- Replace detectors every 7–10 years, depending on manufacturer guidelines.
Don’t Forget: Checking your smoke dectors is only step one in proper fire safety. Be sure to also review Central’s fire extinguisher safety guide and our fire sprinkler system maintenace tips for additional protection.
8. Review Pool and Backyard Safety
Why it matters: Pools, trampolines, and play equipment are frequent sources of injury and liability claims.
Action steps:
- Ensure your pool or trampoline is surrounded by a fence with a self-latching gate.
- Post pool safety rules and supervise children at all times.
- Keep rescue equipment and a first-aid kit nearby.
Read On: Essential Pool Safety Tips for a Fun and Secure Summer
9. Prepare for Summer Storms
Why it matters: Summer thunderstorms can strike quickly and cause power outages, flooding, or structural damage.
Action steps:
- Assemble an emergency kit with flashlights, batteries, bottled water, and non-perishable food.
- Know how to shut off water, electricity, and gas if needed.
- Clear yard debris and secure loose items before a storm.
10. Review Your Insurance Coverage
Why it matters: Even the best-prepared homes can experience unexpected losses. Being properly insured helps ensure your recovery is smooth and supported.
Action steps:
- Talk to your Central agent about your current coverage.
- Ask if your policy includes protection for wind, hail, fire, water backup, and personal liability.
- Update your home inventory if you’ve purchased new outdoor furniture, electronics, or recreational equipment.
Why These Tips Matter—And Why Central Is the Right Fit
Taking time to follow these summer home maintenance tips is one of the best ways to prevent common seasonal claims. From storm damage to backyard accidents, proactive care protects not just your home—but your finances and peace of mind.
And when something does go wrong, having the right partner by your side makes all the difference.
At Central Insurance, we offer more than just policies—we offer partnership. With responsive claims service, customizable homeowner coverage, and a team of trusted local agents, we’re here to help you enjoy your summer worry-free.
Need help reviewing your coverage? Connect with your Central agent today and enjoy the confidence that comes from being truly protected.
The information above is of a general nature and your policy and coverages provided may differ from the examples provided. Please read your policy in its entirety to determine your actual coverage available.
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