As temperatures rise in the Lehigh Valley, heatwaves are becoming more than just uncomfortable—they’re becoming a risk factor for homeowners. While most people associate home insurance claims with storms or theft, extreme heat can quietly lead to serious issues that your policy may (or may not) cover. Here’s what you need to know.
Increased Fire Risk
High temperatures increase the risk of wildfires or house fires, especially when paired with dry conditions. If a fire damages your home, most standard home insurance policies do offer coverage. However, it’s important to check:
- If your personal property limits are high enough
- Whether replacement cost or actual cash value applies
Power Outages and Appliance Damage
Extreme heat can stress the power grid, leading to blackouts. When that happens, your fridge might stop working, or power surges could fry your electronics.
Depending on your policy, you may be able to claim:
- Spoiled food loss
- Power surge damage (especially if you have equipment breakdown coverage or an endorsement)
Are You Covered for the Next Heatwave?
Home insurance policies aren’t one-size-fits-all—especially when it comes to heat-related damages. At YMI Insurance, we help Lehigh Valley homeowners understand what their coverage does (and doesn’t) include, so you’re not caught off guard when the mercury rises. With the current heat wave gripping Allentown, Bethlehem, and Easton, homeowners across the Lehigh Valley should be on high alert for signs of heat-related damage. A little maintenance now goes a long way when temperatures are soaring.
👉 Get in touch with our team today to review your policy or get a custom quote.
