Sunny skies are great for BBQs, garden parties and topping up your tan but prolonged hot weather can also put your home under pressure.
While we often think about protecting our homes from heavy rain and winter storms, extreme heat can be just as damaging. Here’s what to look out for this summer, and how your home insurance could help if the unexpected happens.
Can hot weather really damage your home?
It might come as a surprise, but yes.
During long periods of hot, dry weather, the ground beneath your home can dry out and shrink. If your property is built on clay soil, this movement can sometimes cause your home’s foundations to shift, leading to cracks in walls, floors or ceilings. This is known as subsidence.
Not every crack is a sign of subsidence; many are simply caused by normal movement in a property. However, if you notice new cracks that are getting wider or doors and windows that suddenly become difficult to open or close, it’s worth investigating further.
Summer storms can bring their own risks too…
Summer weather, especially in the UK, can change in an instant. After a spell of hot, dry conditions, sudden heavy rain or thunderstorms can also take their toll on your home.
Keep an eye out for:
- Loose or damaged roof tiles after high winds.
- Gutters blocked by leaves, moss or debris, which can cause water to overflow.
- Garden fences weakened by dry ground and then damaged by strong winds.
- Trees with branches that could break during storms.
A quick check around your property now could help you spot small problems before they become bigger (and more expensive) ones.
What does home insurance cover?
Every policy is different, but home insurance can help protect you against a range of unexpected events.
Depending on your policy, you may be covered for things like:
- Storm damage to your home.
- Subsidence (although this is often optional or comes with specific conditions and a higher excess).
- Damage to buildings and, where selected, your belongings following an insured event.
However, home insurance doesn’t usually cover damage caused by general wear and tear, poor maintenance or gradual deterioration.
If you’re unsure what’s included, it’s worth checking your policy documents so you know exactly what you’re covered for before you need to make a claim.
Five simple ways to protect your home this summer
A few small checks can make a big difference:
- Water your garden sensibly during prolonged dry spells, particularly if you have young trees close to your property.
- Check for new cracks around doors, windows and external walls.
- Trim back overhanging branches where it’s safe to do so.
- Clear gutters and drains so they’re ready if heavy rain arrives.
- Review your home insurance to make sure it still meets your needs.
Compare home insurance via Mustard.co.uk
Whether you’re renewing your existing policy or simply checking you’re getting a good deal, comparing quotes could help you find home insurance that’s right for you.
Compare quotes from a panel of some of the leading UK insurers in just a few minutes, helping you find cover that suits your home and your budget.
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