{"id":875,"date":"2016-06-28T12:53:00","date_gmt":"2016-06-28T12:53:00","guid":{"rendered":"https:\/\/pablobeach.shapiroinsurancegroup.com\/?p=875"},"modified":"2019-06-26T17:54:55","modified_gmt":"2019-06-26T17:54:55","slug":"top-four-4th-july-insurance-claims-avoid","status":"publish","type":"post","link":"https:\/\/pablobeach.shapiroinsurancegroup.com\/top-four-4th-july-insurance-claims-avoid\/","title":{"rendered":"The Top Four 4th of July Insurance Claims to Avoid"},"content":{"rendered":"

4th of July, Jacksonville Beach <\/span><\/span>Summer,\u00a0one of the best “seasons” in Florida. It has officially begun and people all over the country are gearing up for Fourth of July celebrations. You can feel the excitement building, especially at the beaches. Every resident knows that the 4th of July celebrations at the Jacksonville Beaches<\/a> are one of the biggest spectacles\u00a0in the state. With the weekend festivities about to kickoff, and before you dust off the fireworks, slip-n-slides, and party supplies let’s make sure you are planning a safe, claims free holiday.<\/p>\n

Insurance Claims<\/strong><\/h1>\n

Reduce your exposure and risk this holiday weekend. Here are the top four 4th of July insurance claims to avoid.<\/p>\n

Fireworks Injuries<\/strong><\/h2>\n

Fireworks laws vary from state to state, so know what you are and aren’t allowed to light off. Here is a helpful link to\u00a0which fireworks are approved in Florida<\/a>. Legal fireworks can be a lot of fun, but no matter how big or small, they can be dangerous. The\u00a0CPSC reports<\/a>\u00a0that in 2014, over 10,500 people were treated for firework-related injuries in emergency rooms around the country. In other words, try not to blow your hand off, ok?<\/p>\n

Grilling Accidents<\/strong><\/h2>\n

According to the U.S. Fire Administration, cooking fires\u00a0are the leading cause of structure fires. If you are lighting up the grill for some good ol’ American flare this holiday, make sure that you if you are cooking outdoors. Seems silly to say that, but people do attempt to grill indoors or in unventilated areas. Make sure you place the grill far enough away from your house or other structures so sparks and flames can\u2019t ignite your siding. If your outdoor grill has a grease or ash trap, make sure to empty it. \u00a0These can easily catch fire because\u00a0the contents are so\u00a0easy to ignite.<\/p>\n

It’s easy to get distracted with an impromptu pickup football game or fifty visitors dropping by on beach cruisers, so make sure someone is always tending to the grill. Never leave a fire burning unattended.<\/p>\n

And, make sure children and pets steer clear of the hot surface. Nothing would ruin a barbecue like a trip to the emergency room or vet.<\/p>\n

Auto Accidents<\/strong><\/h2>\n

Holidays, especially those where drinking is a center-point, always pose a higher risk for auto accidents. An increased volume of traffic near the festivities\u00a0and a greater chance of drinking and driving make the 4th of July especially dangerous. If you are having guests at your home that might be consuming alcohol, be sure to keep an eye on everyone and don\u2019t let anyone drive after consuming alcohol. Even if you aren\u2019t drinking, try to avoid being on the roads as much as possible.\u00a0Even the safest drivers can be injured by drunk drivers.<\/p>\n

Thinking of hosting one of the many stopping-point parties over the holiday? New social host laws can now hold homeowners and your\u00a0homeowners insurance<\/a> responsible for car accidents that occur after a driver has consumed alcohol on their property.<\/p>\n

Walking, riding a bike (responsibly) or catching a ride share or taxi are always a better choice.<\/p>\n

Boating Accidents<\/strong><\/h2>\n

Since the weather around the 4th of July is typically perfect boating weather, many areas around our coast see a spike in boating accidents in the days surrounding this holiday. If you plan on boating this 4th of July avoid alcohol and remember that Boating Under the Influence is just as dangerous as a DUI.<\/p>\n

Make sure you are familiar with all U.S. Coast Guard rules and regulations.<\/p>\n

Unusual Insurance Coverages to Consider for the 4th<\/strong><\/h1>\n

While we hope your 4th of July holiday goes smoothly, there tends to be an increased level of missteps during this long holiday weekend. While the following are unusual and a bit silly, you may want to consider these coverages.<\/p>\n

\"TheDrunk guest insurance<\/strong><\/h2>\n

Officially known as \u201csocial host liquor liability coverage,\u201d this insurance covers expenses in the event an intoxicated guest at a party you throw causes costly damage to property or to another individual. Note: If you throw the party in your own home, your homeowners\u2019 insurance usually includes this.\u00a0<\/strong><\/p>\n

Bedbug insurance<\/strong><\/h2>\n

Do you have planned, or perhaps think there is a possibility of unplanned overnight guests for your holiday weekend? You may want to consider this coverage. You may be out of luck if you discover a bed bug infestation at home: Homeowners\u2019 and renters\u2019 insurance typically doesn\u2019t cover the estimated $1,000-plus costs to rid yourself of this invasion.<\/p>\n

Body parts insurance<\/strong><\/h2>\n

Notable body parts, including Bette Davis\u2019 waist, Bruce Springsteen\u2019s voice, Julia Roberts\u2019 smile and Troy Polamalu’s hair have all notoriously been insured. If you have a defining feature, you may want to consider insuring it. Can you imagine the horror if Shad Khan accidentally singed his mustache off in a firework accident? There’s insurance for that!<\/p>\n

Cold Feet Insurance<\/strong><\/h2>\n

Perhaps you’ve known your fiancee for quite some time, or maybe you are in a love at first sight type of situation. Either way, something could happen during the holiday weekend that gets you second-guessing your coming marriage. As the cost of a wedding grows, interest in\u00a0insurance that covers a couple\u2019s nuptials\u00a0is also on the rise. There are companies that offer a policy that will cover costs in the event the bride or groom has a \u201cchange of heart\u201d\u00a0and calls off the event.<\/p>\n

Safety Tips<\/strong><\/h1>\n

Water Safety<\/strong><\/h2>\n

Every year over 800 children drown accidentally and over 3,000 are injured in near-drowning incidents. Roughly 90 percent of these accidents happen between May and Labor Day.<\/p>\n

Tips:<\/strong><\/p>\n