🌸 Spring Into Coverage: 5 Overlooked Insurance Risks as the Weather Warms Up
As winter fades and spring rolls into Athens, Georgia, most of us are thinking about sunshine, yard work, road trips, and maybe even a fresh start around the house. But while the warmer weather brings plenty of positives, it also introduces a few often-overlooked insurance risks.
At Larry Baumwald Insurance Agency, we like to help our clients stay one step ahead. Here are five springtime risks you may not have thought about—and how to make sure you’re properly covered.
🌧️ 1. Spring Storms & Water Damage
Spring in Georgia often means heavy rain, thunderstorms, and occasional flooding.
What to watch for:
Roof leaks from winter wear and tear
Poor drainage around your home
Sump pump failures
Insurance Tip:
Most homeowners policies do not cover flood damage. If your property is in a flood-prone area (and many are without realizing it), a separate flood policy may be worth considering.
🌳 2. Falling Trees & Property Damage
With new growth and spring storms, trees can become unpredictable—especially if they were weakened over winter.
Common issues:
Tree limbs falling on roofs, fences, or vehicles
Neighbor’s tree damaging your property
Insurance Tip:
Home insurance typically covers damage from falling trees, but maintenance matters. If a tree was clearly dead or neglected, claims can get tricky.
🚗 3. More Driving = More Risk
Warmer weather means more people on the road—vacations, day trips, and outdoor activities.
What increases risk:
Teen drivers out more often
Weekend travel
Distracted driving in busy spring traffic
Insurance Tip:
Now is a great time to review your auto liability limits. Minimum coverage often isn’t enough if there’s a serious accident.
🏡 4. Home Projects & Liability Exposure
Spring is prime time for DIY projects, landscaping, and home improvements.
Hidden risks:
Injuries to friends or contractors helping you
Property damage during renovations
Renting tools or equipment
Insurance Tip:
Your homeowners policy includes liability coverage—but larger projects might require additional protection or a quick policy review.
🐕 5. More Outdoor Time = More Liability
As you and your neighbors spend more time outside, liability risks increase.
Examples:
Dog bites
Kids playing on trampolines
Guests slipping near pools or wet patios
Insurance Tip:
Make sure your liability coverage is strong enough. An umbrella policy is often an affordable way to add extra protection.
🌼 A Quick Spring Insurance Checklist
Take 10–15 minutes this week to:
✔️ Inspect your roof and gutters
✔️ Check trees for damage or decay
✔️ Review your auto coverage limits
✔️ Ask about flood or umbrella policies
✔️ Update your home inventory if you’ve made upgrades
Let’s Make Sure You’re Covered This Spring
Spring is all about fresh starts—and that includes your insurance coverage. If it’s been a while since you reviewed your policies, now is the perfect time.
At Larry Baumwald Insurance Agency, we’re here to help you protect what matters most—without overpaying or missing key coverages.
📞 706-353-8444
🌐 www.baumwald.com