#USA #Los Angeles #Holiday Safety #Mercury Insurance #Year End Risks

The Hidden Risks During the Last Week of December

As the days wind down towards the New Year, many people find the period between Christmas and New Year’s Day to be deceptively tranquil. With a noticeable drop in emails and traffic, it seems like life takes a pause. However, this perceived calm, according to Mercury Insurance, can bring about a range of risks for homeowners and drivers that are often overlooked.

Changing Routines Increase Vulnerability

The last week of December comes with a host of changes in routines. This can lead to uncertain risk patterns. Larry Anderson, the Director of Underwriting Operations at Mercury Insurance, points out that this is a time when many homes may be left empty. With families traveling or visiting friends, homes become vulnerable to plumbing leaks, electrical failures, or break-ins.

1. Empty Homes and Delayed Discoveries
When you are away from home, a simple plumbing leak can escalate quickly, with damage going unnoticed for days. These unnoticed issues can lead to severe property damage, further complicating the homeowner's situation upon returning.

2. The Impact of Seasonal Weather
Decades of experience have shown that harsh winter weather, including rain, snow, and freezing temperatures, places additional stress on household structures. If no one is present to manage these problems, even minor issues, such as small leaks or roof stresses, can lead to major catastrophes.

3. Increased Travel Hazards
During this time, many people also engage in end-of-year travel. These trips frequently involve unfamiliar roads and, for some, rental cars. Although the roads may seem less congested, the combination of unfamiliarity and fatigue can increase the risk of vehicle accidents. It’s essential to remain vigilant and cautious even in lighter traffic.

4. The risk of New Items
As families exchange gifts and purchase new electronics during the holiday season, this can inadvertently create new risks within the home. Without proper setup or safety measures, these high-value items can become liabilities or lead to unsafe situations within the home environment.

Proactive Strategies to Mitigate Risks

To minimize problems during this end-of-the-year stretch, Mercury Insurance offers several proactive strategies for consumers:

• - Secure Your Home Before Leaving: Utilize timers for lights, arrange for mail delivery holds, and ask a trusted neighbor to keep an eye on things while you’re away.
• - Conduct Pre-Travel Inspections: Before embarking on your holiday journey, conduct a thorough inspection of your plumbing, appliances, and home exterior to identify any potential issues.
• - Stay Vigilant on the Road: Be aware of fatigue and remain cautious when navigating unknown driving conditions, as there is danger even without heavy traffic.
• - Care for New Gadgets: Properly set up and use any new electronics and gifts safely to avoid unnecessary losses.
• - Shut Off Water Supply: When traveling, turn off the main water supply to your home. This simple action can prevent damage from leaks or frozen pipes while your house is unoccupied.

Conclusion

According to Anderson, the end of the year should not come with added stress. Encouraging awareness and taking specific precautions can substantially reduce the likelihood of unwanted issues, allowing families to commence the new year firmly grounded. For more information and safety tips relevant throughout the year, visit Mercury's blog and ensure you are equipped for all potential risks.