By Loretta Worters, Vice President, Media Relations, Triple-I
Independence Day is associated with fireworks, barbecues and pool parties, but summer fun also carries risks.
Here are four summer responsibilities you risk should be aware of and recommendations on what you can do to protect yourself:
FIREWORKS : Fireworks can be a Fourth of July tradition, but they can also cause damage or fire. More than one in four (28 percent) fireworks caused by fires nationwide each year occurs on the fourth of July, according to the National Fire Protection Association (NFPA.) In recognition of Fireworks Safety Awareness Week (June 28-July 4), Triple-I encourages everyone to follow federal fireworks laws and local fireworks laws.
GRILLS : About four out of five (79 percent) barbecue fires involve gas grills, according to U.S. Pat. Fire Administration (USFA). Patios, terraces and screened porches are the leading home sites for barbecue fires, USFA has found. The NFPA reports that an average of 8,900 home fires are started by barbecues each year, with numbers peaking in July. Barbecue-related fires can damage your house, outdoor belongings and structures and cause damage to guests. The latter can lead to a trial.
POOLS : Drowning is the leading cause of accidental death among children ages one to four, and between 201
ALCOHOL: Laws on social responsibility vary widely, but 40 plus states have them on the books. Most of these laws offer an injured person a way to sue the person who served alcohol during the stay. Criminal charges can also apply under certain laws on social liability.
Some of these scenarios pose a liability risk, so homeowners are advised to review their insurance policies to understand the insurance liability limits. A liability limit of at least $ 300,000 is often a cost-effective step to consult with insurance staff.
Also consider adding an umbrella liability policy, which provides liability protection in addition to current coverage.