Trick or treat! With Halloween just around the corner, many of us are spending time decorating our houses and yards. But don't forget, it's not all treats! What about the tricks that turn into home insurance nightmares? Halloween mischief seems to cause a spike in homeowner's insurance claims.
Whether fires started by Jack-o-lanterns or vandalism and theft in neighborhoods, it's crucial to be prepared for the potential risks. That's why we're here to break down the most common claims we see around Halloween.
With these tips, you'll hopefully be prepared for the upcoming frightful night! However, if you face any property damage, give Liberty Adjusters a call before filing your claim to avoid any "tricks" from your insurance company. Why risk ultimately ending up with the ‘treat’ of being responsible for all the repairs if your claim is denied?
Fire Hazards
If you decorate your home for the holiday, beware of the fire risks! Candles in Jack-o-lanterns, string lights, and other electrical decorations are all common fire hazards. It's best to keep any candles where you can easily keep an eye on them and remember to never fall asleep without blowing them out.
Fires spread quickly and can almost seem to appear from thin air even after taking every safety precaution. This is why it's important to make sure your home insurance policy covers fire damage to your home and your belongings.
Learn More > Fire Damage Claims
Fires are fast. Protect yourself and your property. Never fall asleep without blowing your candles out!
Theft & Vandalism
Tricksters might be able to get away with stealing extra treats from the candy bowl, but what if it's more than that? With neighborhoods full of kids and adults in costumes, it's easy for mischief to occur. During Halloween, there's a spike in break-ins and other property crimes to be wary of.
Halloween brings out some of the grisliest monsters who are excited to wreak havoc on anything in sight. People may be tempted to egg your home, smash your pumpkins, or break your windows. Deter these monsters by keeping your property well-lit throughout the night and any valuables out of sight, inside and out.
If your home is vandalized or your belongings are stolen, most standard homeowner’s policies will cover the damages. However, it's important to remember that there is usually a deductible you have to pay before your insurance company will reimburse you. And depending on your policy, there may be certain types of damage that aren't covered. So, check your policy documents or give us a call to help you double-check.
Stormy Weather
Here in Florida, Halloween falls right in the middle of hurricane season. Serious storm damage seems to occur in October. Historically since 1851, 36 hurricanes, including 11 major ones (like Hurricane Michael in 2018), have made a Florida landfall.
These storms can cause major damage from excess wind to your roof or flooding. We have a lot of tips to be prepared all hurricane season long (click here for more). And remember if you’ve had significant storm damage, call an independent loss adjuster. It’s not a trick that we can help you get up to 574% more for your property repairs.
Dog Bites
We’re here for your property; but our mascot, Roofus, also wants to remind you about coverage for your four-legged friends too.
No matter how friendly your pup may be, dogs are unpredictable creatures - anything can happen. With all the commotion of Halloween night, even the friendliest of pups can get overexcited or nervous. Uncertainty may cause immense fear in your pet and cause them to react aggressively. Therefore, it may be best to keep your pets safe and happy by keeping them in another room, away from all of the festivities.
Even with precautions taken, accidents happen, so make sure you're covered in case a trick-or-treater or party attendee gets bitten by your four-legged friend. Many insurance companies offer animal liability that you can add to your policy.
Have a Safe and Happy Halloween
Now that you know the most common claims we see around Halloween, take some time to review your policy. Make sure you have the coverage you need to avoid any holiday disasters.
Remember, if you have any questions about your policy or need to file a property damage claim, give Liberty Adjusters a call to prepare before you contact your insurance company. Unlike their adjusters, we work for you! Lean on Liberty today.