As the UK continues to swelter in the heatwave, many people are trying every trick in the book to keep cool. However, some heatwave hacks could put your home insurance at risk, experts warn.
According to Which?, installing air conditioning may not affect home insurance, but could increase the rebuild value of your property. This is because fixed air conditioning systems can involve structural changes or electrical alterations, which may require additional cover.
Another common heatwave hack is using fans with water to chill the air. However, placing water close to electrical appliances or sockets can create a safety risk. If water damages an electrical appliance or contributes to a fire, your insurer may look at how the damage occurred when assessing a claim.
Furthermore, buying unsafe appliances from unfamiliar online sellers can pose a fire risk. Products that don't meet UK safety standards or are poorly made can increase the risk of electrical faults, which may impact insurance claims.
Experts advise homeowners to take safety measures when using fans or air conditioning units, such as keeping them clean, checking cables and plugs for damage, and never using overloaded extension leads or sockets.
With the Met Office issuing heatwave warnings across the UK, it's essential to be aware of the potential risks associated with heatwave hacks. By taking precautions and being mindful of your home insurance, you can enjoy a cooler and safer home.