Hot tubs don't like cold weather. Freezing temperaturs, high voltage surges, and normal wear and tear are the leading causes of insurance claims involving hot tubs. (Photo: AAJ775/

What do toilet paper, hand sanitizer, lumber and hot tubs all have in common? Hot tubs have been included on the list of sought-after items that have seen shortages during the pandemic. Though your policyholders are hoping to extend their outdoor fun throughout the cooler months, the increase in hot tub ownership could also lead to more related claims — particularly in the winter months.

Freezing was the third most common cause of loss, following high voltage surge and wear and tear, for hot tub equipment that StrikeCheck evaluated in 2020. And if January and February’s colder weather is any indication, more freezing temperatures are likely on the horizon.

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