The summer risks that actually drive home claims (not fireworks)

Fireworks grab the headlines, but a five-year claims analysis found water damage, weather-related losses, and theft cause far more summer home claims. For Florida that tracks: afternoon storms, plumbing leaks, and empty homes are the real threats.

Shut off water to unused lines, clear drains before heavy rain, and secure the home when you travel. Make sure your water-damage and theft coverage match what repairs and replacements would actually cost today.

If you are not sure what your policy covers, a quick review with an independent agent now beats finding a gap after a loss.