Heatwaves 2023: Are You Insured?
The Californer/10248209

NEWPORT BEACH, Calif. - Californer -- Homes and Heat Waves

• Heat waves are classified as natural disasters and most home insurance policies will cover damage caused as a result of scorching temperatures.
• Hot weather and sunlight can damage a roof, especially after a period of cold or damp weather
• Subsidence (cracks in the walls, more than 3 mm) can occur due to a heat twave. It can also affect the foundation, causing the home to move or slope.
• Bursting pipelines, melting power outlets, and buckling floors were common during the heat waves.
• Roofs start leaking due to excess heat as wood tries to expand and cracks.
• Heat waves can result in a shortage of electrical circuits and fire.
• An air conditioner can leave you vulnerable to electrical fires if it is used constantly..

Cars and Heat Waves

• Excessive heat can reduce the elasticity of tires and cause them to crack and even blow out.
• An older battery may not be able to hold a charge during heat waves, especially if you're running the air conditioner while driving.
• Your car may need a different type of oil in the summer due to high heat and the wrong type may not work well for your car during a heat wave.
• Check radiator and heater hoses, which can burst due to extreme heat if they are worn.
• Under-inflated tires can overheat and fail.
• Comprehensive insurance would cover heat-related losses

Professional Quote

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Michael Orefice, SVP of Operations at SmartFinancial (https://smartfinancial.com/), says:

"It's important to remember that a heat wave is just another type of natural disaster that is covered by insurance. Whether it's your business, car or home that suffers a loss due to extreme heat, it's important to have the right insurance products. It's always important to have health insurance, but especially so during the summer for very young children, pregnant women and the elderly, who are most vulnerable to higher temperatures."

About SmartFinancial (https://smartfinancial.com/)

SmartFinancial is a technology company on a mission to simplify the insurance-buying experience with a transparent insurance-technology platform that matches shoppers with the right insurance carrier products. We use our technology, our licensed agents and our insurance expertise to make the entire process simpler and more efficient for our users.