Summer is prime time for home enjoyment. It’s also when certain property risks sneak up unnoticed. While we’re all focused on cookouts, vacations, and keeping cool, the sun and heat can quietly be taking a toll on your property. Staying aware of these risks isn’t just about prevention. It’s about protecting the investments you’ve worked hard for.
- UV Damage Isn’t Just for Skin
That relentless summer sun can degrade more than you think. Shingles, siding, decking, and outdoor furniture can all suffer long-term wear from intense UV exposure. This kind of deterioration isn’t generally covered on your policy, but ignoring the signs can lead to extensive and cascading damage. Make sure you’re keeping tabs on how your exterior holds up through the season.
- Vegetation Can Be a Fire Hazard
Missouri summers bring heat and growth. Trees and shrubs that get too cozy with your siding, fencing, or outbuildings can increase your fire risk. The combination of dry branches, dead leaves, and summer heat is no friend to your property. Vegetation also creates easy entry points for pests, and can block ventilation systems and outdoor unit access.
- Outdoor Kitchens Need More Than Good Recipes
Grills, smokers, and outdoor appliances add flavor to your summer, but they also bring real risk if not used and maintained safely. Check for cracked hoses, frayed wiring, or improperly stored fuel. And don’t forget your coverage. Some outdoor fixtures may require specific language in your policy or a special endorsement to be fully insured.
- The Vacation Home Vibe Comes with Risk
If you have a second home or a vacation rental, summer might be its busiest and riskiest season. These properties often sit unattended, making them a target for theft or vulnerable to unnoticed damage. The right insurance protection should include seasonal occupancy clauses and clear documentation of assets kept on-site.
Summer Property Risk Checklist:
- Inspect roof and siding for UV damage or warping
- Trim all trees and shrubs at least 5 feet from structures
- Check and clean grill components before every use
- Secure and document outdoor fixtures like pergolas and kitchen appliances
- Review your vacation home coverage for fire, theft, and occupancy changes
- Update your property inventory with photos included for all locations
Staying cool this summer isn’t just about comfort. It’s about taking a proactive approach to summer risk prevention. Your property faces unique exposures in July and August. Now’s the time to review your policy, inspect your space, and talk to your agent about where you may need extra protection. We’re here through all the seasons and all the reasons you need us!
