How Extreme Heat Can Impact Connecticut
Extreme heat events are becoming more frequent and can affect residents in every part of Connecticut.
- Increased demand on electrical systems can contribute to power outages
- Extended heat can place stress on cooling systems and appliances
- Power outages can result in food spoilage and additional expenses
- High temperatures can increase risks for vulnerable populations including older adults, young children, and individuals with medical conditions
- Extreme heat can affect homes, businesses, and infrastructure
- Heat-related events may create additional financial and recovery challenges
Key Extreme Heat Risks
- Prolonged high temperatures
- Power outages
- Heat-related illness
- Increased utility usage and costs
- Strain on cooling systems
- Food spoilage from prolonged outages
- Property damage caused by heat-related system failures
- Increased wildfire risk in dry conditions
- Health and safety impacts for vulnerable populations
What to Do Before Extreme Heat Hits
- Review your homeowners, renters, or condominium insurance policies and understand your coverage
- Create or update a home inventory with photos and videos
- Know whether your policy provides coverage for food spoilage or refrigerated property loss during outages
- Test air conditioning systems and fans before heat waves occur
- Identify cooling centers and emergency resources in your community
- Prepare an emergency kit with water, medications, batteries, and important documents
- Sign up for emergency alerts and weather notifications
- Check on older adults, neighbors, and family members who may be vulnerable to heat
- Keep insurance policies and important documents in a secure location
What to Do During Extreme Heat Events
- Stay hydrated and avoid prolonged outdoor activity during peak heat hours
- Follow guidance from local officials
- Move to air-conditioned spaces or cooling centers if necessary
- Monitor for power outages and preserve refrigerated items when possible
- Document any property damage if it occurs
- Contact your insurer or agent if you experience a covered loss
- Keep receipts for emergency purchases and temporary expenses
Extreme Heat Preparedness Checklist
- Download the full Extreme Heat Preparedness Checklist (PDF)
Understanding your coverage
Insurance coverage varies by policy and may not cover all heat-related losses.
Important coverage considerations:
- Coverage for food spoilage during power outages varies by policy
- Damage caused by maintenance issues or wear and tear is generally not covered
- Additional living expenses may apply if a covered loss makes your home temporarily uninhabitable
- Coverage limits, exclusions, and deductibles vary by policy
Questions to ask before extreme heat:
- Does my policy include coverage for food spoilage after a power outage?
- Do I understand my deductible and coverage limits?
- Have I documented my belongings?
- Do I know how to contact my insurer if I need assistance?
FAQs
Does homeowners insurance cover damage caused by extreme heat?
Coverage depends on the cause of the damage and the terms of your policy. Review your policy carefully.
Does insurance cover spoiled food after a power outage?
Some policies may include limited food spoilage coverage, but coverage varies.
Does renters insurance cover personal belongings during a covered loss?
Renters insurance may help cover personal belongings depending on the circumstances and policy terms.
Should I review my coverage before summer?
Yes. Reviewing your coverage annually can help you understand what protection you have before severe weather or extreme temperatures occur.
Be Prepared Before the Next Heat Wave
Extreme heat can impact daily life across Connecticut, creating risks for people, homes, and communities.
The Connecticut Insurance Department is available to help answer insurance questions and support consumers before and after disasters.