“Beat the Heat: Summer Safety Tips to Protect Your Health and Your Home”
☀️ Summer Heat Safety: Protecting Your Home, Health & Insurance
Summer in Rhode Island is beautiful—but when the temperature rises, so do the risks. Whether you're lounging in Warwick or traveling across New England, prolonged heat can affect your health, your home systems, and even your insurance coverage. At The Slocum Agency, we want to help you stay safe and smart during the hottest months of the year.
Here’s what you need to know about summer heat safety, and how insurance plays a role in helping you stay prepared.
🔥 Health & Safety First: Tips to Stay Cool and Protected
Hydrate Frequently
Drink water consistently—even if you don’t feel thirsty. Avoid alcohol and caffeine, which can dehydrate you quickly in high temperatures.Limit Outdoor Activities
Avoid strenuous activities during peak heat (usually 11am–4pm). If you must be outside, wear light clothing, a wide-brimmed hat, and sunscreen with at least SPF 30.Use Fans & A/C Efficiently
Fans help circulate air but won’t prevent heat-related illness in extreme heat. Use air conditioning or visit public cooling centers if your home gets too hot.Check on Vulnerable Individuals
Children, seniors, and pets are more susceptible to heatstroke. Make sure they are kept in cool, shaded, or air-conditioned environments.Never Leave Kids or Pets in Cars
Temperatures inside a vehicle can rise by 20°F in just 10 minutes—even with the windows cracked. Always double-check before locking up.
🏡 Protect Your Home from Heat-Related Damage
Maintain Your Air Conditioning System
A broken A/C in July is a nightmare. Schedule professional maintenance and replace filters monthly to keep the system running smoothly.Check Your Roof and Insulation
High heat and UV rays can damage shingles and reduce your home’s energy efficiency. Have a professional inspect your roof and attic ventilation.Inspect Electrical Wiring
Heat can stress old or damaged wiring, increasing fire risk. If you notice flickering lights or smell burning, have your electrical system checked immediately.Protect Against Wildfire Risks (if applicable)
If your property borders dry or wooded areas, clear brush at least 30 feet from structures and consider fire-resistant landscaping.
🧾 Insurance Coverage Tips for Hot-Weather Hazards
Summer weather can bring more than just sunburn—it can bring insurance claims. Here are a few ways to stay ahead:
Homeowners Insurance:
Covers certain heat-related damages like electrical fires or damage to HVAC systems (depending on cause and policy).Flood Insurance:
Droughts followed by heavy rains can cause unexpected flash flooding. This is not covered by standard homeowners policies—you’ll need separate flood insurance.Equipment Breakdown Coverage:
If your air conditioning unit fails due to mechanical issues, this optional endorsement can help cover repair or replacement costs.Personal Umbrella Policy:
Backyard pool parties are fun, but they come with liability risks. An umbrella policy adds extra protection in case someone gets hurt on your property.
📝 Final Thought from Slocum Insurance
At The Slocum Agency, we're here to help you enjoy every moment of summer—without the stress. Whether you're preparing for record temps or making sure your insurance is summer-ready, our local experts are just a phone call away.
Don't wait for the heatwave. Contact us today to review your current coverage and make sure your home, health, and happiness are protected this season.
