With holiday season comes tons of fun decorations. Whether it be Halloween, Christmas, or even Thanksgiving there are so many cool things to set up to show off your holiday cheer. With that said, some holiday decorations can become hazards and can even lead to property damage if not properly installed.

In order to avoid these forms of property damage, it’s important to know the types of damage that can occur due to holiday decorations, along with the safety precautions you should take. With that said, if you still end up with property damage, it’s good to have a strong understanding of whether or not your homeowners insurance will cover the damage.

Below is information about the types of damage that can occur from holiday decorations, precautions you can take, property insurance coverage, and what to do if your insurance provider decides to deny your legitimate claim in bad faith.

Types of Potential Property Damage from Decorations

There are a few main types of property damage that can occur due to decorations. These may include:

  • Electrical: This can include short circuits and overloading due to lights and decorations.
  • Fire: This can be caused by faulty lights, candles, and combustible materials around heat sources.
  • Physical: This may include decorations that fall due to wind or are blown away, leading to broken windows, damaged roofing, and more.
  • Trip and fall: Long extension cords and other materials can lead to falls.

Safety Precautions You Should Take

In order to better ensure there is no damage to your property and no injuries on your property this holiday season, there are some safety precautions you can take. These include:

  • Securing decorations so they can’t blow away in the wind.
  • Using lights and extension cords specifically designed for outdoor use.
  • Extinguishing candles after use.
  • Inspecting your decorations before installing them (check for broken bulbs, frayed wires, etc.).
  • Thoroughly inspecting your decorations after installing them.

Does Homeowners Insurance Cover Holiday Decoration Damage?

Often, homeowners insurance will cover outdoor decorations. They also may cover fires. With that said, it’s extremely important to check your homeowners insurance policy to get a better idea of what is covered and when it is covered.  

Should your property be damaged or your decorations be vandalized or stolen and the incident is covered by your insurance, make sure to file your claim immediately and follow all of the instructions provided. If you would like to better ensure you receive the appropriate payout, reach out to Colucci Law Group. We will help you to file your claim.

What If My Insurance Provider Denies My Claim in Bad Faith?

Should your insurance company decide to deny your claim in bad faith, Colucci Law Group can help you get the money you are owed.

Colucci Law Group consists of legal experts who provide clients with support to fight bad faith claim denials. We will provide you with an outstanding property insurance lawyer to represent you in a suit against your insurance provider. We are also able to file your claim for you and defend your rights, so you get the settlement that you deserve.

For more information about our property insurance legal services, reach out today. We’d be happy to help you to file your claim or represent you in a lawsuit against your insurance provider.

If you suspect that you are the victim of a bad faith insurance claim denial, we can help. The Colucci Law Group has the resources to assess the validity of your claim at no cost to you. For a free consultation, email us or call our Dunedin office at 727-733-9438. You may also call our Fort Myers office at 239-378-7800. Our team assists victims of bad-faith insurance claims across the state of Florida.