Insurer Alerts UK Homeowners: Spike in House Fire Claims Amid Hot Weather

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Sunny weather So far this year has resulted in an increase in home insurance claims due to fires.

As temperatures rise, we tend to be more inclined towards firing up the grill, pizza oven, or perhaps indulging in a fancier bonfire. Alternatively, for those who prefer something simpler, burning an assortment of discarded wooden palettes can also add warmth and ambiance.

However, although enjoying a burger in the garden might be delightful, it’s less pleasant if your shed ends up catching fire.

According to data provided by the major insurer Aviva, the number of garden fires recorded in April and May this year has surpassed those documented for each month in 2024, despite being midway through the current period. summer .

Allegations encompassed involve sheds, fences, and decks being ruined by garden bonfires; sparks from a barbecue igniting a shed and burning its contents; and ashes from a fire pit leading to a garage catching fire.

The insurance company stated that the typical claim related to a garden is close to £16,000.

The rise in claims was attributed to the UK experiencing its sunniest spring ever recorded, with preliminary data from the Met Office showing approximately 630 hours of sunlight across the nation from March 1 to May 27.

However, there has also seen a rise in claims associated with lightning during the last half-decade.

This meteorological event has the potential to ignite fires upon hitting a rooftop or attic area since it may lead to the breakdown or failure of electrical appliances.

A study conducted by Censuswide for Aviva in December revealed that of the 2,000 individuals surveyed throughout the UK, 12% express greater concern over fire safety during warm weather conditions, while 13% have heightened worries specifically during barbecue season.

Ways to remain secure during the summertime

Following numerous reports from various regions, insurance firm Aviva provided these recommendations to help you prevent needing to file a claim yourself.

Garden bonfires

• It is advisable to steer clear of them if at all possible, since they have a tendency to spiral out of control very easily, particularly when the weather is both dry and windy.
• Should you choose to start a fire, ensure it is always monitored and have water or a hose readily available.
• Be careful when using fire pits and make sure to put them out completely before heading indoors.
• It is also a good idea to keep an eye on fires in neighbouring gardens, in case they spread.

Barbecue with caution

• Prior to starting your barbecue, review the weather forecast for gusty conditions as this can considerably increase the risks involved.
• Winds can blow hot embers or sparks considerable distances, thereby raising the chances of starting a new fire.
• While barbecuing, remember that ashes may remain hot for several days; ensure they have completely cooled down before throwing them away.
• Always position disposable barbecues on a non-combustible or heat-resistant surface (like stone) and ensure they are kept at a distance from grass areas, fences, or sheds. Leave them undisturbed until they have fully cooled down.

Unplug appliances once charged

• Lithium-ion batteries may lead to fires when overheated; therefore, ensure you disconnect the charger as soon as the tool is completely charged.
• Refrain from charging your devices overnight or leaving them unsupervised.

Watch windowsills

• Concentrated sunlight passing through glass items has the potential to ignite fires.
• Move mirrors, bottles, and other shiny objects out of direct sunlight.

Dispose of cigarettes carefully.

• Cigarette ashes and matchsticks can readily set alight dry grass or wooden decks.
• Always ensure they are completely out and dispose of them properly.

Hannah Davidson, who serves as the senior underwriter manager, stated: "While warmer weather tends to be good news, we're encouraging everyone to stay alert regarding fire safety."

'The mild climate coupled with insufficient rainfall implies that once ignited, a blaze can escalate rapidly—especially since the terrain is parched.'

‘Popular items in gardens, such as wooden fences and sheds, can be flammable, causing flames to spread quickly. A small fire in the garden can also spread to the home, causing significant damage.

'No matter whether you're entertaining guests with a BBQ, powering outdoor equipment and gadgets inside or outdoors, or perhaps placing a mirror outside in your garden as decor, it’s crucial to carefully consider anything that might turn into a possible fire risk.'

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