How to protect your home from the growing risks of summer weather

Unpredictable weather is no longer limited to winter months. Across the UK and Europe, more homeowners are experiencing the effects of extreme summer weather - from searing heatwaves to sudden thunderstorms and surface water flooding.

These events pose a significant risk to both primary residences and second homes, particularly holiday properties in high-temperature regions.

While we cannot control the weather, we can take practical steps to prepare our homes and reduce the risk of serious damage. A proactive approach is essential in protecting your property and ensuring peace of mind.

 

Minimising fire risk during extreme heat

Prolonged periods of high temperatures can dry out the landscape, creating ideal conditions for wildfires - particularly in areas with dense vegetation or limited rainfall. For homes in these regions, whether in the UK or abroad, it's crucial to create a defensible space around your property.

This involves clearing away dry grass, weeds, fallen leaves and any other vegetation close to buildings that could fuel a fire. Litter and windblown debris should be regularly removed, and flammable materials (such as gas bottles or firewood) stored well away from structures.

When using outdoor equipment like barbecues or fire pits, never leave them unattended.  Make sure they are positioned safely and fully extinguished after use. Keeping fire extinguishing equipment nearby is also advisable, but always prioritise safety and contact your local fire service in the event of any fire.

Be mindful of glass ornaments/bottles and mirrors etc. This is because curved glass can act as a lens, magnifying the sun's rays and generating increased heat onto a specific point. This, in turn, can cause a fire if that point is on flammable material.

Compost heaps, such as those in gardens, neighbouring allotments, or on farmland, can be at risk of self-combustion during hotter temperatures. The combination of heat and dry material can pose a real fire hazard.  Where possible, locate compost heaps in a shady position. Regularly turn the pile to distribute moisture and prevent hot spots. Also, add water if it's too dry and needs to be cooled down.

Many areas prone to heat and wildfire now offer alert systems, which can provide early warnings of potential danger. Signing up for alerts from local fire authorities or the Met Office can help you stay informed and prepared.

 

Reducing the impact of summer storms and heavy rainfall

The flip side of summer heat is the increasing frequency of intense storms, often bringing heavy rain in short bursts. When water falls faster than it can drain away, surface flooding can occur - particularly in urban or low-lying areas.

To reduce the risk of floodwater entering your property, it’s essential to keep gutters and drains clear of leaves and debris. Blocked gutters can cause water to overflow and seep into your home. If your property has a basement, ensure any sump pumps and drainage systems are working properly, especially ahead of forecast storms.

It’s also worth checking nearby storm drains for visible blockages and reporting any issues to your local authority. Staying informed through local flood alerts (often available through the Met Office or your local water authority) can give you valuable time to prepare.

 

A little prevention goes a long way

Taking a few preventative measures now could help you avoid the far greater cost and emotional stress of dealing with fire or flood damage later. Whether your property is your primary home or a cherished retreat, making it resilient to summer weather risks is increasingly important.

 

Protecting your property

Every property is unique, and the most effective approach to protecting your property in extreme summer weather will depend on your location and individual circumstances. At Fidentia Insurance, we are available to offer advice in helping homeowners or second property owners protect their premises.

Contact us for tailored advice and support on your property insurance and risk management options for summer weather. Call us on +44 (0)20 3150 0080 or email us at info@fidentiains.com