Summer Risks for Florida Homeowners: How to Stay Protected 

Summer in Florida is synonymous with beautiful weather, outdoor activities, and unfortunately, increased risks for homeowners. At Blanchard Insurance, we understand the unique challenges that come with the summer season and are committed to helping you protect your home from potential hazards. Here are some additional homeowner’s insurance exposures to be aware of during the summer months in Florida, along with tips on how to mitigate these risks. 

Welcome to Florida sign in the summer

Additional Summer Risks For Florida Homeowners:

1. Outdoor Fire Risks 

Outdoor activities such as barbecues, bonfires, and fireworks are common during the summer. However, these activities can increase the risk of accidental fires, which can cause significant damage to your property. 

Mitigation Tips: 
Maintain a Safe Distance: Keep grills, fire pits, and fireworks at a safe distance from your home and any flammable materials. 

Regular Maintenance: Clean your grills and fire pits regularly to prevent grease buildup, which can ignite and cause fires. 

Supervision: Always supervise outdoor fires and have a fire extinguisher or water source nearby. 

2. Water Damage 

Summer thunderstorms and hurricanes can bring heavy rainfall, leading to water damage from leaks, flooding, and roof damage. 

Mitigation Tips: 
Roof Maintenance: Inspect and repair your roof to ensure it is in good condition and can withstand heavy rain. 

Gutter Cleaning: Clean your gutters and downspouts to ensure proper water drainage and prevent water from seeping into your home. 

Flood Insurance: Consider purchasing separate flood insurance, as standard homeowner’s policies often do not cover flood damage. 

3. Storm Damage 

Florida’s summer months are notorious for severe storms, including hurricanes, tornadoes, and hail, which can cause extensive property damage. 

Mitigation Tips: 
Storm Shutters: Install storm shutters to protect windows and doors from flying debris. 

Reinforce Structures: Strengthen your home’s structure by reinforcing the roof, doors, and windows. 

Emergency Kit: Prepare an emergency kit with essential supplies and have a plan in place for evacuations if necessary. 

Florida summer hurricane sign
Road warning sign on a beach, Key West, Florida, USA.

4. Mold and Mildew 

Florida’s hot and humid summer climate creates the perfect environment for mold and mildew growth. These can cause health issues and structural damage to your home. 

Mitigation Tips: 
Ventilation: Ensure proper ventilation in bathrooms, kitchens, and basements. Use exhaust fans and dehumidifiers to reduce indoor humidity levels. 

Regular Inspections: Regularly inspect areas prone to moisture, such as under sinks, around windows, and in attics and basements. Address any leaks or water damage immediately. 

Mold-Resistant Products: Consider using mold-resistant paint and materials in areas susceptible to moisture. 

5. Increased Liability from Outdoor Activities 

With more time spent outdoors, there is an increased risk of accidents and injuries on your property, such as swimming pool accidents or injuries from outdoor play equipment. 

Mitigation Tips: 
Pool Safety: Install safety features such as pool covers, fences, and alarms to prevent accidental drownings. 

Supervision: Always supervise children and guests when they are using the pool or outdoor play equipment. 

Regular Inspections: Regularly inspect and maintain outdoor equipment to ensure it is safe and in good working condition. 

Florida pool

6. Pest Infestations 

The warm and humid summer climate in Florida can lead to an increase in pest activity, including termites, ants, and rodents, which can cause damage to your home. 

Mitigation Tips: 
Pest Control: Schedule regular pest control treatments to prevent infestations. 

Seal Entry Points: Seal any cracks or openings in your home’s exterior to prevent pests from entering. 

Proper Storage: Store food and waste properly to avoid attracting pests. 


Protecting your home from the unique risks of a Florida summer requires proactive planning and the right insurance coverage. By taking the right steps to mitigate these risks, you can enjoy the season with peace of mind knowing that your home is protected.  

If you have any questions about your homeowner’s insurance policy or need assistance with coverage, please contact us today. Our team is here to provide you with the best solutions tailored to your needs. 

Click HERE to get a boat insurance quote TODAY!