Every year, millions of Americans safely enjoy outdoor barbecues, but accidents do happen.
According to the U.S. Fire Administration, fire departments respond to an estimated average of 10,600 home structure and outdoor fires involving grills per year. These fires cause an average of 10 deaths, 160 injuries and $149 million in direct property damage annually.
The majority of grill fires are caused by malfunctioning gas grills. In addition, thousands of people visit emergency rooms every year because they have burned themselves while barbecuing.
In the rare instance of a grill fire spreading to your property, your homeowner's insurance would provide financial protection as fire is a covered peril. A homeowner's policy covers the following:
Whatever the damage, you will be responsible for the deductible portion. So, if damage is less than your deductible, it may not make sense for you to file a claim.
That said, the best way to enjoy a summer of outdoor barbecues is to take steps to prevent accidents, including maintaining your grill and using it safely.
Grill maintenance and storage
Gas grills are generally safe if they are properly maintained and checked for leaks. When setting up at the start of each grilling season, you should:
Safe BBQ practices
When barbecuing, use common sense and follow these guidelines:
When you're done with your cooking, remember that the grill will remain hot for a while. Don't cover or store your grill until it has cooled, and soak coals with water before throwing them away.
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Dubuque, IA 52001
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In February 2020, The Friedman Group joined AssuredPartners, the 10th largest insurance brokerage in the U.S. This partnership provides us access to additional capital and a national footprint that enables us to continue to negotiate the most favorable coverage terms and conditions for our clients, and allows us to provide an even broader spectrum of risk management support services.