As the Managing Director of Ireland’s largest Public Loss Assessing firm, I understand – better than most – the importance of protecting your property and loved ones. With Halloween upon us, it’s the perfect time to shed light on the potential risks and damage that this spooky season can bring.

The Season of Ghouls and Goblins

Halloween is a time of fun and frights, with costumes, toffee apples, and decorations galore. But lurking beneath the surface are some risks that can send shivers down your spine, especially if you’re a homeowner.

Trick-or-Treat Mishaps

One of the most common Halloween-related risks is accidents that happen while trick-or-treating. With excited children darting from house to house, there’s a higher chance of slips, trips, and falls, which can lead to injury claims. As a responsible homeowner, it’s essential to ensure your property is well-lit, with clear pathways and no hidden hazards.

Decorations Gone Wrong

Halloween decorations are notorious for their creativity and sometimes over-the-top displays. However, these decorations can lead to property damage. Hanging spooky lights, carving pumpkins, or creating haunted scenes might inadvertently lead to fires, electrical issues, or structural damage. It’s crucial to follow safety guidelines and avoid overloading electrical circuits.

Vandalism and Mischief

Unfortunately, Halloween can sometimes bring out mischievous behaviour. Vandalism or pranks can result in property damage. To protect your home, consider installing security cameras or motion-activated lights. Having a well-documented record of such incidents can be invaluable in case you need to make an insurance claim.

Weather Woes

Ireland’s unpredictable weather can pose its own set of challenges during Halloween. Strong winds, rain, or even early frost can lead to roof damage, fallen trees, or flooding. Make sure your property is prepared for these weather conditions by ensuring your roof is in good condition and your drainage systems are clear.

Insurance and Protection

In the event that Halloween ghouls bring more than just scares to your doorstep, having a comprehensive home insurance policy is your best defence. Review your policy to ensure it covers accidents and property damage, speak with and rely upon the advice of your insurance broker and keep important contact information for OMC Claims handy.

Last year I watched my middle child swapping out practically every single one of the treats he had managed to blag with his friends, until he had accumulated over sixty fun-sized Twix bars…clearly it’s a great time of year for Ghouls and Dentists and we wish you all a safe and spooky Halloween!

John O’Donoghue, OMC Claims.