Thanksgiving is a time to be thankful. It’s also a time when homeowners insurance claims can spike. If you can avoid these disasters this Thanksgiving, you’ll have one more thing to be thankful for.
Turkey Day Terror Number One: Fire
It’s not Thanksgiving without a feast, but all that cooking can increase the risk of a house fire. Each year, U.S. fire departments respond to approximately 2,400 residential fires on Thanksgiving Day alone. These fires are responsible for five deaths, 25 injuries and $19 million in property loss.
Turkey Day Terror Number Two: Alcohol-Infused Accidents
Many people like to enjoy a drink – or more – with their feast, but too much alcohol can increase the risk of injuries. If a guest is injured in your home – for example, by falling down the stairs or tripping over their own feet – you could be on the hook for the associated costs. The good news is that homeowners insurance includes liability coverage. Still, it’s better to prevent injuries by exercising some commonsense moderation and safety practices.
But if your guests do drink, it’s better to keep them at home and off the roads. Because of the spike in drunk driving, the Thanksgiving holiday period is one of the deadliest times on the road. Between 2012 and 2016, more than 800 people died in alcohol-impaired crashes during the Thanksgiving holiday period.
Turkey Day Terror Number Three: Food Poisoning
Food poisoning creates another potential liability issue. If your guests get sick from your food, you could be liable. Prevent this disaster by practicing safe cooking. For example:
Turkey Day Terror Number Four: Burglary
Don’t think you can avoid disasters by leaving home. If you’re traveling for the holidays, you may be increasing your risk of burglary.
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https://www.usfa.fema.gov/data/statistics/reports/snapshot_thanksgiving.html
https://www.nhtsa.gov/press-releases/make-it-table-dont-drink-and-drive-thanksgiving-eve
https://www.usda.gov/media/press-releases/2016/11/21/usdas-five-tips-food-safe-thanksgiving
https://www.fsis.usda.gov/wps/portal/fsis/topics/food-safety-education/get-answers/food-safety-fact-sheets/poultry-preparation/turkey-basics-stuffing/ct_index
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