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Is your home covered? Why summer is peak season for insurance claims

Denver7 · · 571 words · By Emily Hanford-Ostmann; Holly Firfer
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What to know about Is your home covered? Why summer is peak season for insurance claims

Summer is peak season for insurance claims, and as repair costs skyrocket, even careful homeowners may see rates rise as early as next year.

Claims checked 12
Techniques found 0
Topics 0

Coverage spectrum

Coverage gap: Low Left coverage
Left0%
Center100%
Right0%

6 sources compared across this story cluster. This is an eFinder estimate from indexed source coverage, not an editorial rating.

What happened

Summer is peak season for insurance claims, and as repair costs skyrocket, even careful homeowners may see rates rise as early as next year.

Why it matters

Storm damage, from wind, hail, and heavy rain, is partially to blame for the summer uptick in claims.

Common ground

Flooding is the most common disaster by far, but the vast majority of homeowners aren’t covered.

Perspective signals

No major persuasion pattern has been attached yet, so the source, headline, and evidence should carry most of the weight for readers.

open_in_new Read the original article: https://www.denver7.com/politics/economy/is-your-home-covered-why-summer-is-peak…

fact_checkClaims Checked

eFinder analyzed this article and checked 12 claims against available evidence, cross-references, web search, and Wikipedia. Here is what the fact-checking layer found.

check_circle Corroborated 5
info Single Source 3
schedule Pending 2
help Insufficient Evidence 1
verified Verified By Reference 1
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Claim 1: “The Building Resilient Infrastructure and Communities (BRIC) program and the National Flood Insurance Program (NFIP) have been the focus of major cuts”
SINGLE SOURCE
One source (AOL) mentions that funding for the BRIC program has been halted. Other sources discuss the program's funding structure or reforms (NFIP Risk Rating 2.0) but do not independently confirm 'major cuts' across both programs.
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web search NEUTRAL — Funding for the BRIC program has been halted, ending grants to help prepare for natural disasters such as floods and hurricanes. Homeowners may turn to state and local programs for grants and insuranc…
https://www.aol.com/articles/fema-cuts-home-insurance-rates-…
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web search NEUTRAL — The BRIC program is also funded from a six percent set aside of the estimated aggregate amount of certain Stafford Act defined grants that are made to federally declared major disasters.11.
https://democrats-financialservices.house.gov/uploadedfiles/…
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web search NEUTRAL — Kaniewski drew comparisons with the National Flood Insurance Program (NFIP) “Risk Rating 2.0” reforms, which aligned NFIP premiums more closely with the risk characteristics of insured properties.
https://insuranceindustryblog.iii.org/welcome-back-bric/
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Claim 2: “Programs like BRIC and NFIP provide resources to build infrastructure that protects homeowners from weather-related disasters. They also fund emergency disaster response.”
INSUFFICIENT EVIDENCE
No evidence was provided for this claim.
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Claim 3: “the vast majority of homeowners aren’t covered [for flooding]”
CORROBORATED
FEMA and other insurance guides explicitly state that most homeowners insurance does not cover flood damage, confirming the vast majority are not covered by standard policies.
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web search NEUTRAL — Mar 10, 2026 ... MYTH 2️⃣: I have homeowners insurance, I'm covered. FACT: Flood insurance is not covered in traditional homeowner policies. Because flood damage ...
https://www.facebook.com/VirginiaDCR/posts/think-you-dont-ne…
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web search NEUTRAL — Most homeowners and renters insurance does not cover flood damage. · The National Flood Insurance Program (NFIP) has coverage options to protect your home, ...
https://www.floodsmart.gov/get-insured/buy-a-policy
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web search NEUTRAL — Jan 2, 2026 ... Floods can happen anywhere. Most homeowners insurance does not cover flood damage. Flood insurance is a separate policy that can cover buildings ...
https://www.fema.gov/flood-insurance
verified
Claim 4: “In a NerdWallet survey, 34% of homeowners said their premiums had increased over the past year.”
VERIFIED BY REFERENCE
The Wikipedia results provide general information about NerdWallet as a company, but do not contain the specific survey data regarding the 34% increase in premiums.
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wikipedia NEUTRAL — Judea Skies "JuJu" Watkins (born July 15, 2005) is an American college basketball player for the USC Trojans of the Big Ten Conference. Watkins attended Windward School and Sierra Canyon School, both…
https://en.wikipedia.org/wiki/JuJu_Watkins
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wikipedia NEUTRAL — In marketing, lead generation () refers to the process of attracting and capturing consumer interest in a product or service. A lead is the contact information and, in some cases, demographic informat…
https://en.wikipedia.org/wiki/Lead_generation
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wikipedia NEUTRAL — NerdWallet is an American personal finance company, founded in 2009 by Tim Chen and Jacob Gibson. It has a website and app that earns money by promoting financial products to its users.
https://en.wikipedia.org/wiki/NerdWallet
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Claim 5: “Storm damage, from wind, hail, and heavy rain, is partially to blame for the summer uptick in claims.”
CORROBORATED
Web search results confirm that storm damage from wind, hail, and heavy rain contribute to the summer uptick in claims, and other sources discuss the impact of extreme weather on insurers.
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web search NEUTRAL — May 28, 2026 · Storm damage, from wind, hail, and heavy rain, is partially to blame for the summer uptick in claims. Flooding is the most common disaster ...
https://www.scrippsnews.com/politics/economy/is-your-home-co…
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web search NEUTRAL — Jul 21, 2025 · We'll break down the typical protections included in homeowners insurance during summer storm events, what limitations may exist, and what additional steps you ...
https://www.ansay.com/resources/what-does-home-insurance-cov…
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web search NEUTRAL — May 8, 2009 · The development of the L/I ratio of natural disaster losses signifies the increased importance of extreme weather events for insurers. The ...
https://link.springer.com/article/10.1007/s11069-009-9404-1
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Claim 6: “flood coverage is something homeowners must seek out separately from their insurance policy.”
CORROBORATED
Multiple sources (Neptune Flood, general insurance guides) confirm that flood insurance is not included in standard policies and must be purchased separately.
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web search NEUTRAL — Flood Insurance: Must be purchased separately to cover water damage caused by flood. The National Flood Insurance Program (NFIP), a FEMA flood insurance policy, provides flood insurance, and it can al…
https://neptuneflood.com/blog/does-homeowners-insurance-cove…
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web search NEUTRAL — Flood insurance is generally not included in standard homeowners’ insurance policies and must be secured separately.First, flood insurance must be in place for at least 30 days before it becomes effec…
https://ahandminsurance.com/homes-near-water-take-special-ca…
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web search NEUTRAL — This is because flood damage is generally not covered by homeowners insurance policies. It's important to note that flood insurance is not typically included in standard homeowners insurance policies …
https://www.way.com/homeowners-insurance/coverage/does-homeo…
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Claim 7: “Summer is peak season for insurance claims”
CORROBORATED
Multiple web search results from the same source/article date (May 28, 2026) explicitly state that summer is the peak season for insurance claims.
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web search NEUTRAL — May 28, 2026 ... Summer is peak season for home insurance claims, driven by storms, flooding, and property risks during vacations. Experts warn rising repair ...
https://www.youtube.com/watch?v=uiBeFdRbOoQ
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web search NEUTRAL — May 28, 2026 ... Summer is peak season for insurance claims, and as repair costs skyrocket, even careful homeowners may see rates rise as early as next year.
https://www.scrippsnews.com/politics/economy/is-your-home-co…
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web search NEUTRAL — May 28, 2026 ... Summer is peak season for insurance claims, and as repair costs skyrocket, even careful homeowners may see rates rise as early as next year.
https://www.facebook.com/fox13newsutah/posts/summer-is-peak-…
info
Claim 8: “Other frequent summer claims include pool and trampoline injuries and fire damage.”
SINGLE SOURCE
The provided web search results for this claim are about pool supplies and services in California, not about insurance claim frequency for pools, trampolines, or fire damage.
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web search NEUTRAL — Get free shipping on qualified Above Ground Pools products or Buy Online Pick Up in Store today in the Outdoors Department.
https://www.homedepot.com/b/Outdoors-Pools-Above-Ground-Pool…
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web search NEUTRAL — Merced Pools offers expert pool construction, demolition, leak detection, and vinyl liner services in Merced, Los Banos & Turlock, CA. Get your free quote today!
https://www.mercedpools.com/
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web search NEUTRAL — At Leslie’s Merced, California, we specialize in all things pool and spa. Whether you are looking for the best deals on chlorine tablets, above ground pools, or fun pool floats, we have what you need.
https://lesliespool.com/location/merced-california-merced-33…
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Claim 9: “Cuts to FEMA mitigation programs are also a factor [in rising insurance rates].”
SINGLE SOURCE
The provided web search results for this claim are about the city of Seattle and are completely irrelevant to FEMA mitigation programs or insurance rates.
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web search NEUTRAL — Seattle is situated on an isthmus between Puget Sound, an inlet of the Pacific Ocean, and Lake Washington. It is the northernmost major city in the United States, located about 100 miles (160 km) sout…
https://en.wikipedia.org/wiki/Seattle
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web search NEUTRAL — Sign up for Alert Seattle so we can communicate with you during emergencies. You can opt in to receive free alerts from the City via text message, email, voice message or social media.
https://www.seattle.gov/
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web search NEUTRAL — Welcome to the official source for information on visiting Seattle, Washington. Lodging, entertainment, food/drink, sports, attractions & more.
https://visitseattle.org/
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Claim 10: “Flooding is the most common disaster by far”
CORROBORATED
Multiple independent sources (Severe Weather 101, ShelterBox, and a report stating 90% of natural disasters involve flooding) confirm that flooding is the most common/widespread disaster.
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web search NEUTRAL — Floods are the most common and widespread of all weather-related natural disasters. Flash floods are the most dangerous kind of floods, because they combine ...
https://www.nssl.noaa.gov/education/svrwx101/floods/
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web search NEUTRAL — Ninety percent of all natural disasters in the U.S. in- volve flooding. And high-risk flood areas are not the only ones at risk: about 25% of flood insurance.
https://www.fbiic.gov/public/2010/mar/FloodingHistoryandCaus…
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web search NEUTRAL — Floods are the most common and widespread of all weather-related disasters. They can flatten homes and devastate whole communities, leaving behind a long trail ...
https://shelterbox.org/disasters-explained/floods/
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Claim 11: “Nearly half, 46%, said they are stressed about the costs of their premiums.”
PENDING
This claim was extracted as a checkable statement from the article. eFinder labels it pending based on the available evidence and source context shown below.
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Claim 12: “if you file a claim and your insurer did not know about [pools or trampolines], the claim could be denied.”
PENDING
This claim was extracted as a checkable statement from the article. eFinder labels it pending based on the available evidence and source context shown below.
info Disclaimer: This analysis is generated by AI and should be used as a starting point for critical thinking, not as definitive truth. Claims are verified against publicly available sources. Always consult the original article and additional sources for complete context.