Spring weather brings a noticeable increase in home insurance claims across the United States. Heavy rain, severe storms, and fluctuating temperatures often expose weaknesses in roofs, drainage systems, and overall property maintenance. As a result, Mercury Insurance is highlighting the most common seasonal risks and the steps homeowners can take to reduce potential damage.
According to the Insurance Information Institute, about 1 in 4 home insurance claims are tied to weather-related events. Wind, hail, and water damage are among the most frequent causes. These risks become more pronounced in spring, when storm activity increases, and winter damage may go unnoticed until it worsens.
Bonnie Lee, vice president of property claims at Mercury Insurance, said spring claims tend to follow consistent patterns each year. She noted that many of these issues are preventable with routine seasonal maintenance and increased awareness.
Roof Damage From Wind and Hail
Spring storms often bring strong winds and hail that can loosen shingles, damage flashing, and create openings for water intrusion. The National Oceanic and Atmospheric Administration reports thousands of severe wind and hail events each year, with activity increasing from March through June. Even minor roof damage can lead to costly interior water damage if it is not addressed.
Homeowners should schedule a roof inspection after major storms. They should also check for missing shingles and debris buildup.
Water Damage and Plumbing Failures
Water damage remains one of the most common and expensive homeowners claims. The Insurance Information Institute estimates that water damage accounts for nearly 30% of all homeowners insurance claims. In spring, thawing conditions and increased rainfall can add stress to pipes, sump pumps, and drainage systems.
Homeowners should test sump pumps, check for pipe leaks, and confirm that drainage systems direct water away from the home.
Gutter and Drainage Issues
Clogged or damaged gutters can quickly lead to water intrusion. When gutters fail, water can flow into foundations, basements, and siding. This risk increases in spring due to debris left behind from winter and early-season storms.
Regular cleaning of gutters and downspouts can help prevent these issues. Homeowners should also confirm that water flows away from the structure.
Falling Trees and Branches
Spring storms often combine saturated soil with strong winds, which increases the likelihood of falling trees and branches. The National Weather Service reports that these conditions make even healthy trees more prone to damage.
Homeowners should trim overhanging branches and remove weakened or dead trees located near structures.
Basement Flooding From Heavy Rain
Flash flooding and prolonged rainfall can overwhelm drainage systems, leading to basement flooding. The Federal Emergency Management Agency states that just one inch of water can cause up to $25,000 in damage to a home. Many homeowners may not realize that standard insurance policies often do not cover flood damage.
Homeowners can consider purchasing flood insurance. They can also install backflow valves or sump pump backup systems to help reduce risk.
Lee emphasized that homeowners do not need to wait for a major storm to act. She said a simple spring checklist that includes inspecting roofs, gutters, drainage systems, and trees can help reduce the likelihood of a claim.
About Mercury Insurance
Mercury Insurance (NYSE: MCY) is a multiple-line insurance carrier that offers personal auto, homeowners, renters, and commercial insurance through a network of independent agents. The company operates in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia, as well as auto insurance in Florida. Mercury also provides additional coverage options in various states, including commercial, business owners, business auto, landlord, home-sharing, ride-hailing, and mechanical protection insurance.
Since 1962, Mercury has focused on delivering value through competitive rates and customer service. The company employs more than 4,200 people and works with more than 6,340 independent agents across 11 states. Mercury holds an "A" rating from A.M. Best and has been recognized as a "Best Auto Insurance Company" by Forbes and Insure.com.
