A sharp uptick in home insurance claims is seen each spring in the U.S. Heavy rain, severe storms, and fluctuating temperatures expose vulnerabilities in roofs, drainage systems, and property maintenance, according to Mercury Insurance.

“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.”

Homeowners can get ahead of the most common spring-related claims to mitigate risk before damage occurs.

The multiple-line insurer outlined the top 5 spring home insurance risks and how to address them.

1. Roof Damage from Wind and Hail

Strong winds and hail can loosen shingles, damage flashing, and create entry points for water. The National Oceanic and Atmospheric Administration reports hail and wind events ramp 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.

2. Water Damage and Plumbing Failures

Water damage remains one of the most common and costly homeowner’s claims. The Insurance Information Institute estimates that water damage accounts for nearly 30% of all homeowners’ insurance claims. Spring thaw and increased rainfall can stress pipes, sump pumps, and drainage systems.

Tip: Test sump pumps, check for pipe leaks, and ensure proper drainage away from the home.

3. Gutter and Drainage Issues

Clogged or damaged gutters can quickly lead to water intrusion, directing water toward foundations, basements, and siding.

Tip: Clean gutters and downspouts regularly and confirm water is flowing away from the home.

4. Falling Trees and Branches

Wet soil and high winds increase the likelihood of tree-related damage. According to the National Weather Service, spring storms often combine saturated ground with gusty winds—making trees more prone to falling.

Tip: Trim overhanging branches and remove weakened or dead trees near structures.

5. Basement Flooding from Heavy Rain

Flash flooding and sustained rainfall can overwhelm drainage systems. The Federal Emergency Management Agency notes that just one inch of water can cause up to $25,000 in damage to a home. Many homeowners are surprised to learn that standard policies may not cover flood damage.

Tip: Consider flood insurance and install backflow valves or sump pump backups.

“Homeowners don’t need to wait for a major storm to take action,” Lee added. “A simple spring checklist—roof, gutters, drainage, and trees—can significantly reduce the likelihood of a claim and help protect what matters most.”