View in browser → Feeling the heat? Learn how to stay safe, protect your home and car, and avoid common summer insurance claims during Connecticut’s latest heat wave.

Beat the Heat: Stay Safe During CT’s Heat Wave (and Why It Matters for Insurance)

Beat the Heat: Stay Safe During CT’s Heat Wave (and Why It Matters for Insurance)

Connecticut is no stranger to summer heat, but when we get hit with a serious heat wave like the one sweeping through this week, it’s more than just uncomfortable — it can be dangerous.

At Page Insurance, we care about your well-being, your home, your vehicles, and your peace of mind. That’s why we want to help you stay safe, stay cool, and stay protected — in ways that actually matter for your health and your insurance.

Why Heat Waves Deserve Your Attention

Heat waves may not be as dramatic as a hurricane or nor’easter, but they’re often more deadly. According to the CDC, extreme heat causes more weather-related deaths in the U.S. than any other event.

But beyond the obvious health concerns, prolonged high heat can also cause damage to your property, lead to preventable insurance claims, and raise liability risks — especially if you’re a homeowner with guests, pets, or a pool.

Some of the hidden dangers of heat include:

• Power surges that damage electronics and appliances

• Roof deterioration due to intense UV exposure

• Increased fire risk due to dry conditions and overloaded electrical systems

• Car breakdowns from engine overheating or tire blowouts

• Poolside accidents with unsupervised children or slippery surfaces

Understanding how these affect not just your safety but also your insurance coverage is the first step to minimizing your risks.

Stay Safe: Tips for Beating the Heat at Home

Keep Your House Cool Without Breaking the Bank

• Block the heat: Close blinds and curtains during the hottest parts of the day, especially on south-facing windows.

• Use fans wisely: Ceiling fans should spin counterclockwise in summer to push cool air down.

• Cook smart: Stick to no-heat meals, grill outdoors, or use slow cookers and air fryers to avoid adding indoor heat.

• Switch to LED bulbs: They emit less heat and use less energy.

Check Your Cooling System

• Have your AC inspected: Regular maintenance can prevent a breakdown when you need it most.

• Replace filters monthly during high-use months.

• Seal leaks around windows and doors to improve energy efficiency.

Watch for Signs of Heat-Related Illness

• Common symptoms include excessive sweating, dizziness, headache, nausea, and confusion.

• Older People, young children, and those with medical conditions are most vulnerable.

• Create a “cool zone” in your home and avoid strenuous outdoor activity during peak heat.

🛞 Heat and Your Car: Stay Safe on the Road

Extreme heat is just as tough on your vehicle as it is on your body. Before hitting the road:

• Check your tires: Heat increases air pressure and risk of blowouts.

• Test your battery: Hot temps shorten battery life — get it tested if it’s more than 3 years old.

• Top off fluids: Coolant, oil, and even windshield washer fluid are crucial for safe summer driving.

• Never leave children or pets in a vehicle — even a few minutes can be fatal.

Insurance Tip: If your car overheats and leaves you stranded, make sure you have roadside assistance on your auto policy. It’s a small add-on that can save you time, money, and stress.

Pool Safety: Have Fun, But Stay Smart

When temperatures climb, the backyard pool becomes the go-to escape. But pools are also one of the top sources of homeowner liability claims, especially in the summer.

Here’s how to keep it safe:

• Supervision is key: Always have an adult present when children are in or near the pool.

• Secure your pool: Install a self-latching gate and safety fencing, even for above-ground pools.

• Keep safety gear close: Life rings, a reaching pole, and a first aid kit should be nearby.

• No diving zones: Mark shallow areas clearly and enforce the rule with guests.

• Post pool rules visibly: Set expectations for behavior — no running, no glass, no roughhousing.

Insurance Reminder:
If someone gets hurt in your pool — even if they weren’t invited — you could be held liable. Make sure your homeowners policy includes adequate liability coverage, and ask us if a personal umbrella policy is right for your situation. These policies add an extra $1 million or more in protection — often for less than $20/month.

How Heat Impacts Your Insurance (and What You Can Do)

Homeowners Insurance Considerations:

• Power surges and brownouts are more common in extreme heat. These can fry your AC, fridge, and electronics. Make sure your policy includes coverage for electrical damage or equipment breakdown.

• Roof and siding damage due to prolonged UV exposure or thermal expansion can be costly — but insurance may not cover gradual deterioration if it’s deemed maintenance-related.

• Fire risk increases if your wiring or outlets are overloaded. Avoid plugging in multiple AC units or extension cords into the same circuit.

Auto Insurance Considerations:

• If your vehicle suffers heat-related mechanical failure, standard liability insurance won’t help. You’ll need comprehensive or roadside assistance coverage.

• Towing and labor coverage can be added affordably and may include battery jumpstarts, tire changes, and lockout service.

Extra Protection: When to Consider an Umbrella Policy

Heat waves bring people together — pool parties, BBQs, playdates. That’s great! But more guests can also mean more risk. An umbrella policy kicks in when your underlying liability limits (on home or auto) aren’t enough.

For example:

• A child slips on wet concrete and breaks an arm — and their parents sue.

• A guest suffers heatstroke at your cookout and claims you didn’t provide shade or water.

• A tree branch weak from drought falls and damages a neighbor’s property.

For around $150–$300 per year, you can often add an extra $1M in liability protection. That peace of mind is well worth it.

Final Thoughts: A Smart Summer Is a Safer One

We hope you enjoy the sunshine safely this summer — but if a heat wave has you wondering whether your insurance has you fully covered, we’re here to help.

Need a quick review of your home, auto, or umbrella coverage?
Give us a call, shoot us an email, or stop by. It’s better to check now than wish you had later.

Page Insurance | Local. Independent. Here for You.
📞 (203) 453-5258
📧 service@pageins.com
🌐 www.pageins.com

Stay cool, stay safe,
Your Page Insurance Team