How Heat Waves Affect Your Home and What Insurance Will and Won’t Cover

High temperatures in Kansas can put additional strain on your home, leading to damage or maintenance issues. Fusion Insurance Agency can help you understand how your homeowners insurance policy may respond.

How Extreme Heat Affects Your Property

Prolonged heat can impact your home in ways that may not be immediately noticeable. Examples may include:

• Roof damage: High temperatures can cause shingles to crack, warp or blister, reducing your roof’s effectiveness over time.
• Foundation shifts: Extreme heat dries out the surrounding soil, causing it to shrink and shift. This can lead to foundation cracks and structural settling.
• Plumbing stress: Rising temperatures can increase pressure within pipes and cause materials to expand, potentially increasing the risk of pipe leaks and connection issues.
• HVAC strain: Cooling systems work harder during heat waves, which can lead to breakdowns, higher energy bills and shorter equipment lifespan.
• Exterior wear: Extended sun exposure can cause paint to peel, siding to warp and wooden decks or fences to crack and splinter.

Understanding Insurance Coverage for Heat Damage

Coverage for heat-related damage depends on how the loss occurred. Standard homeowners insurance covers sudden, accidental events, not gradual wear and tear.

• Typically covered: Fires may be more likely during hot and dry conditions, and are typically covered under your policy.
• Typically excluded: Foundation cracks from heat-stressed soil are usually excluded. AC breakdowns from age or overuse are generally considered maintenance issues. Roof damage caused by gradual and consistent exposure to heat is also typically treated as regular wear and, therefore, excluded.

Secure a Policy Today

Contact Fusion Insurance Agency to discuss your coverage options and request a free personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.