With the 4th of July around the corner, it’s a time for celebration and enjoyment with family and friends. However, it’s also a time when insurance claims see a significant increase due to various incidents that can occur during the festivities. I wanted to take a moment to inform you about the most common claims we see around this time of year and offer some tips on how you can prevent them.
Common 4th of July Claims
1. Fireworks-Related Injuries
Fireworks are a staple of 4th of July celebrations, but they can be dangerous if not handled properly. Injuries from fireworks can range from minor burns to severe injuries requiring hospitalization.
2. Property Damage Caused by Fireworks
In addition to personal injuries, fireworks can also cause significant property damage. This can include fires started by fireworks landing on roofs, in dry grass, or other flammable materials.
3. Grill and Cooking Accidents
Many people enjoy barbecuing on the 4th of July, which can lead to accidental fires and burns. These accidents are often caused by improper grill usage or leaving the grill unattended.
4. Alcohol-Related Incidents
Alcohol consumption often increases during holiday celebrations, leading to a higher number of accidents, particularly those involving vehicles. Drinking and driving can result in serious accidents and injuries.
Prevention Tips
1. Handle Fireworks Safely
Always follow the manufacturer’s instructions when using fireworks. Ensure that fireworks are legal in your area and keep a bucket of water or a hose nearby in case of emergencies. Consider attending a public fireworks display instead of lighting your own.
2. Keep a Safe Distance
Make sure to light fireworks in a clear, open space away from homes, dry grass, and other flammable materials. Ensure that everyone maintains a safe distance from the fireworks display.
3. Practice Safe Grilling
Keep grills away from homes, deck railings, and overhanging branches. Never leave the grill unattended, and keep children and pets at a safe distance. Regularly clean the grill to avoid grease buildup, which can cause flare-ups.
4. Drink Responsibly
If you plan to drink, ensure you have a designated driver or use a ridesharing service to get home safely. Keep an eye on your guests and make sure they have a safe way to get home if they’ve been drinking.
By taking these precautionary steps, you can help ensure a safe and enjoyable 4th of July celebration for you and your loved ones.
If you have any insurance questions Merit Insurance Group is here to help! Call us at 708-845-5466 or visit our website at www.meritinsurancegroup.com