Does Your Home Insurance Cover Damage from NJ’s Extreme Heat?
Published by BIS Improved Insurance Agency | Morris Plains, NJ
New Jersey is Sizzling: Here's What You Need to Know
This week, an extreme heat wave is gripping New Jersey, with temperatures soaring into the triple digits. Newark hit 101°F, Trenton climbed to 103°F, and heat index values have reached up to 110°F. With this intense heat comes strain on home systems, especially HVAC units, electrical panels, and roofs. Many people throughout Morris County NJ, Morris Plains, Roxbury, Mendham, Morristown and the surrounding counties.
The big question is: Does your home insurance policy protect you from heat-related damage?
🏠 Common Heat-Related Damage & Insurance Coverage
Type of Damage Usually Covered? What to Know
Warped Siding or Roof Shingles -Sometimes Covered -if sudden damage, not if due to neglect or wear.
HVAC System Failure- Sometimes Covered- if caused by mechanical failure, not general wear.
Electrical Surges -Usually-Check for surge protection or equipment breakdown add-ons.
Fire from Dried Landscaping-Usually Covered-under standard homeowners insurance.
📄 What to Check in Your Policy
Additional Living Expenses (ALE): If your home becomes uninhabitable due to heat or electrical failure, ALE covers hotel stays or temporary housing.
Service Line Coverage: Covers underground utilities that can overheat or get damaged under strain.
Mechanical Breakdown Endorsements: Offers peace of mind for expensive HVAC repairs.
Roof Condition Clause: If your roof is older, certain damage might not be covered.
✅ What You Can Do Right Now
Schedule HVAC Maintenance: Preventative maintenance now can help avoid a denied claim later.
Inspect Roof & Exterior: Look for early signs of heat-related wear.
Use Surge Protectors: Protect appliances from electrical grid stress.
Document Everything: Keep photos and receipts for maintenance and upgrades.
📞 Stay Safe, Stay Covered
We’re experiencing some of the most intense heat New Jersey has seen in years. Now is the perfect time to review your policy and ensure you’re protected.
Contact BIS Improved Insurance Agency today to schedule a free policy review to make sure you have the proper coverages to protect you and your property in this heat. With over 40+ years in Morris Plains NJ and the surrounding Morris County area we are happy to provide you with the service you need.
Phone: 973-683-1000
Website: www.bisrm.com
