Summer Preparedness Resources

Summer Preparedness

Summer in Maryland brings sunshine and fun—but also seasonal risks. There are usually severe storms, increased travel (especially Ocean City, MD), boating on the Chesapeake Bay, backyard pool time, and more. Not including weather, summer activities can bring unexpected challenges. Fortunately, many of these risks may be managed with adequate insurance coverage.

As you enjoy everything the summer season has to offer, take a few steps to prepare:

Review Your Insurance Coverage: Ensure that your insurance policies, including homeowners, renters, and auto insurance, are up-to-date and provide adequate coverage for potential damage caused by summer weather hazards.
Conduct a Home Inventory: Document your possessions and their value through photos or videos. This inventory will facilitate the claims process in case of damage or loss.
Prepare before a natural disaster. Make sure to secure outdoor items, such as patio furniture, grills, and gardening tools to prevent them from becoming projectiles during strong winds.
Protect Your Vehicles: If possible, move vehicles to a covered area to shield them from hail and other damaging elements.
Create a plan for your family and home and stay informed. Visit ready.gov for more resources.
Planning home improvements? See if your renovations affect your policy.
Determine your flood risk and whether or not you need flood insurance. Flood insurance policies typically take 30 days to go into effect.
Know Your Zone -- in case of evacuation.
Determine if Travel Insurance is right for your summer vacation.

Additional Resources:

Be Maryland Prepared at MDReady.gov from the Maryland Department of Emergency Management
Extreme Heat Resources from the Maryland Department of Health
Boats and Watercraft

Recreational Vehicles

Grill Safety

Pool Safety

NAIC: Road trip safety and travel insurance
Backyard Amenities

III: Trampoline Safety

Lawnmower Safety
Beach Safety

How to Avoid Getting Caught in a Rip Current

Tornado Safety
Lightning Safety

Grill & Fire Safety

Keep grills at least 10 feet from buildings or overhangs.
Never leave a grill unattended, and check gas connections for leaks.
Dispose of coals in a metal container only after they are completely cooled.

Sun & Heat Safety

Drink plenty of water and use sunscreen (SPF 30+).
Provide shade and limit time in direct sun, especially for children and older adults.
Be alert for signs of heat exhaustion, like dizziness or nausea.

Food Safety

Keep cold foods below 40°F and hot foods above 140°F.
Don’t leave perishable items out for more than 2 hours (1 hour in hot weather).
Wash hands and sanitize surfaces regularly.

Water Safety

Designate an adult to supervise children near water at all times.
Use life jackets for boating or open water activities.
Secure pools when not in use.

Travel Safety

Expect holiday traffic and allow extra time for travel.
Always use seat belts, and never drive under the influence.
Avoid distracted driving—keep your eyes on the road.

Fireworks & Pets

Follow local laws regarding fireworks; many areas restrict use.
Keep pets indoors and away from loud noises and unfamiliar foods.
Sparklers burn at over 1,200°F—avoid giving them to young children.