Business
Nearly 1 in 4 U.S. Home Insurance Claims Are Linked to Weather as Mercury Insurance Breaks Down the Top 5 Spring Risks
Spring weather brings a sharp uptick in home insurance claims across much of the United States, as heavy rain, severe storms, and fluctuating temperatures expose vulnerabilities in roofs, drainage systems, and property maintenance. Mercury Insurance (NYSE/NYSE Texas: MCY) is highlighting the most common spring-related claims—and what homeowners can do now to reduce risk before damage occurs.
About this update from Mercury General Corporation
[{"type":"text","content":"Seasonal storms, water damage, and wind-driven hazards drive predictable claim patterns each spring—here's how homeowners can get ahead of them","length":147,"tagName":"p","attribs":{}},{"type":"text","content":"LOS ANGELES, March 26, 2026 /PRNewswire/ -- Spring weather brings a sharp uptick in home insurance claims across much of the United States, as heavy rain, severe storms, and fluctuating temperatures expose vulnerabilities in roofs, drainage systems, and property maintenance. Mercury Insurance (NYSE/NYSE Texas: MCY) is highlighting the most common spring-related claims—and what homeowners can do now to reduce risk before damage occurs.","length":438,"tagName":"p"},{"type":"text","content":"According to the Insurance Information Institute, roughly 1 in 4 home insurance claims are tied to weather-related events, with wind, hail, and water damage among the most frequent drivers. These risks intensify in spring, when storm systems become more active and lingering winter damage can go unnoticed until it fails.","length":321,"tagName":"p"},{"type":"text","content":""Spring claims tend to follow very consistent patterns year after year," said Bonnie Lee, Vice President, Property Claims at Mercury Insurance. "The good news is many of the most common issues are preventable with a little seasonal maintenance and awareness."","length":279,"tagName":"p"},{"type":"text","content":"The Top 5 Spring Home Insurance Risks","length":37,"tagName":"p"},{"type":"text","content":"1. Roof Damage from Wind and HailSpring storms frequently bring strong winds and hail, which can loosen shingles, damage flashing, and create entry points for water. The National Oceanic and Atmospheric Administration reports thousands of severe hail and wind events annually, with activity ramping up from March through June. Even minor roof damage can lead to costly interior water claims if left unchecked.Tip: Schedule a roof inspection after major storms and look for missing shingles or debris buildup.","length":510,"tagName":"p"},{"type":"text","content":"2. Water Damage and Plumbing FailuresWater damage remains one of the most common and costly homeowners claims. The Insurance Information Institute estimates water damage accounts for nearly 30% of all homeowners insurance claims. Spring thaw and increased rainfall can stress pipes, sump pump...