The holiday season in Florida is filled with family gatherings, big meals, cooler weather, and festive decorations—but it’s also one of the most common times of year for house fires, water damage, electrical issues, and storm-related losses.
Whether you’re celebrating Thanksgiving, Christmas, Hanukkah, or New Year’s, it’s important to stay aware of the property risks that can turn a joyful season into an insurance nightmare.
As licensed public adjusters serving Florida homeowners and businesses, we often see a spike in claims from late November through early January. Here are the biggest hazards to watch out for—and what to do if your property is damaged.
🔥 1. Cooking Fires (Thanksgiving’s #1 Cause of Damage)
Thanksgiving produces more home cooking fires than any day of the year.
Major causes include:
- Unattended cooking
- Grease flare-ups
- Deep-fryer accidents (especially involving turkeys)
- Overloaded ovens
Prevention tips:
✔ Stay in the kitchen when frying or broiling foods
✔ Keep children and pets away from cooking areas
✔ NEVER deep-fry a frozen turkey
✔ Have a fire extinguisher within reach
🎄 2. Electrical Fires from Holiday Lights & Decorations
Florida homes often overload outlets and extension cords during the holiday season.
Risk factors:
- Old or damaged holiday lights
- Indoor lights used outdoors
- Overloaded circuits
- Dry wreaths or artificial trees placed too close to heat sources
Prevention tips:
✔ Inspect all cords before use
✔ Use LED lights (they run cooler)
✔ Plug heavy decorations into separate outlets
✔ Turn everything off before bed
💧 3. Water Damage from Holiday Travel
Many Florida families travel in late December. An empty home is vulnerable to:
- Pipe leaks
- Water heater failures
- Dishwasher or fridge line bursts
- Roof leaks from seasonal rainstorms
Prevention tips:
✔ Shut off the main water supply before extended trips
✔ Check supply lines to appliances
✔ Ensure gutters and downspouts are clear
⛈️ 4. Storm-Related Damage (Yes, Late-Season Storms Happen)
Although hurricane season officially ends November 30, Florida still sees:
- Heavy rainfall
- Strong winds
- Isolated tornadoes
- Flooding
Prevention tips:
✔ Secure outdoor furniture
✔ Check roof for loose shingles
✔ Document your home’s condition for insurance purposes
❄️ 5. Candle & Fireplace Fires
Even in Florida, many families use scented candles or decorative fireplaces for ambiance. These remain one of the leading holiday hazards.
Prevention:
✔ Keep candles 12 inches from anything flammable
✔ Never leave a lit candle unattended
✔ Use battery-powered LED candles instead
🏡 If Damage Happens, Don’t Fight the Insurance Company Alone
The holidays are stressful enough. If your home suffers fire, water, electrical, or storm damage, Claims Aid Consultants is here to help you:
- Document every loss
- Review your policy
- File and negotiate your claim
- Maximize the settlement you’re entitled to
No recovery, no fee — ever.
Serving Port St. Lucie and the entire Treasure Coast.
Claims Aid Consultants Public Adjusters 