As summer temperatures rise, Inter-Insurance Agency is calling on property owners to take proactive steps to protect their homes and businesses from heat-related damage. The independent insurance brokerage, based in Jericho, New York, highlights that prolonged extreme heat can stress air conditioning systems, electrical infrastructure, roofs, plumbing, and mechanical systems, potentially leading to failures and costly repairs.
“Many people don't think about the impact extreme heat can have on their property until something goes wrong,” said Tim Derham, President of Inter-Insurance Agency. “Simple preventative maintenance and understanding your insurance coverage before an issue occurs can make a significant difference when the unexpected happens.”
To mitigate risks, Inter-Insurance Agency recommends several seasonal best practices: scheduling HVAC maintenance to ensure cooling systems operate efficiently, inspecting roofs for signs of wear, checking irrigation systems for leaks, trimming trees that may threaten structures during summer storms, and documenting valuable property. For business owners, maintaining efficient cooling systems is critical to protecting employees, customers, inventory, and equipment.
Summer is also an ideal time to review insurance policies to ensure coverage reflects recent home improvements, business expansions, equipment purchases, or other changes. A policy review can help property owners identify gaps and avoid being underinsured when disaster strikes.
“Our goal is to help clients stay informed and prepared,” Derham added. “A quick policy review today can provide peace of mind throughout the season.”
For property owners, the implications of neglecting heat-related risks can be significant. Air conditioning failures during a heatwave can lead to health hazards for occupants, especially the elderly or those with medical conditions. Electrical issues, such as overloaded circuits from increased air conditioner use, can cause fires. Roof deterioration accelerated by UV exposure and high temperatures may lead to leaks and water damage. Plumbing problems, like burst pipes from ground movement or expansion, can result in costly repairs.
Businesses face additional risks: inventory can spoil without proper cooling, equipment can overheat and fail, and employee productivity can decline in uncomfortable conditions. An insurance coverage review ensures that these potential losses are covered, protecting the business’s bottom line.
Inter-Insurance Agency provides personal and commercial insurance solutions for homeowners, businesses, contractors, commercial vehicle operators, financial institutions, and specialty industries. The agency emphasizes personalized service and experienced guidance to help clients protect what matters most.
For more information, visit https://www.interinsurance.com.
