Types Of Heat DamageHeat damage from the sun can occur almost anywhere in the world. Similarly, it can affect both the interior as well as the exterior of a home. Some of the main damages that can be caused by extreme heat and prolonged sun exposure are explained down below.
Peeling/CrackingWhen the sun gets ahold of outdoor materials including paint and wooden structures, peeling and cracking are among the most common reactions. This happens as a result of the heat pulling materials apart and creating openings, creating the need for repairs and possible replacements.
Expansion/MeltingSimilar to cracking damage caused by the sun’s UV rays, components of a home can become expanded from the heat, resulting in noticeable bubbles on the surface. On the other hand, the siding and paint on a house have the potential to actually melt off if the heat is intense enough.
Mold GrowthMany homeowners would be surprised to learn that heat and mold damage go hand in hand. This is because extreme levels of direct sunlight can also come with moisture, depending on the materials. For instance, if you have metal roofing tiles, the steam that is created could result in condensation that becomes wet over time. When given time to build up, mold and mildew can grow underneath the tiles, undetected.
Color FadingColor fading is another one of the most common effects of sun damage to a home. This can apply to anything from the exterior paint of the home to roofing tiles, wood, and even lawn chairs. The sun has the potential to wear down the appearance of anything that remains in its path for too long without protection.
Where To Look For Heat DamageWhen looking for heat damage from the sun throughout your property, there are a few places to keep in mind that are most commonly affected. While it is true that the sun can damage almost any area of your home, there are a few places to look first to gain control of the issue. Here are the most common places where heat damage takes place:
Exterior WallsOne of the first, and most noticeable, locations where you should look for sun damage are the exterior walls of your home. More specifically, heat from the sun targets the paint that covers the walls of your property. Cracks and chips in the paint can open up as a result of expansion from direct sunlight.
Roof ShinglesSecondly, you should always check on your roofing materials. The sun tends to have the biggest effect on roof shingles since they are made of asphalt and can accumulate cracks and heat bubbles over time. However, you can still experience roof damage from the sun regardless of the material. This can include anything from cracks to a presence of moisture that can appear after long-term exposure to sunlight.
Wooden StructuresAny kind of wood structure on the property, from decks to porches and sheds, can experience extreme damage when subjected to direct sunlight for too long. The heat will break down the wooden materials, causing peeling, cracks, fading, and discoloration, among other cosmetic issues.
House SidingThe siding of a home can experience color fading as a result of sun damage. This area, in particular, will require close attention, as siding has a heightened risk of mold and mildew growth when extreme heat is involved.
Outdoor FurnitureIf any kind of upholstered furniture is present, on the exterior of the home especially, colored fabrics can start to fade significantly when placed in an area that is subjected to direct sunlight.
Does Home Insurance Cover Heat Damage?The first thing that many homeowners ask following the discussion of home damage is whether or not their insurance policy will cover the necessary repairs. All insurance policies will differ between individuals, so it is always a good idea to know what your coverages are before you find yourself in a situation where you have experienced any kind of loss or damage. First and foremost, it is important to understand that home insurance serves the purpose of covering damages and losses that are completely accidental. Speaking in insurance terms, these events are known as “perils” and refer to things that happen to the property beyond the control of the homeowner. For instance, if your home was hit by a natural disaster such as a hurricane, you would not be held responsible to pay for the damages on your own since the event was out of your control. The same concept applies to accidental house fires and water pipes that burst suddenly with no previous warning. Under most home insurance companies, you can rest assured that you will not have to come out of pocket for these unavoidable perils. What most home insurance policies do not cover, however, are gradual damages that happen slowly over time. When owning a house, certain responsibilities fall into the hands of the homeowner in terms of maintenance. In other words, homeowners are expected to handle the upkeep of the interior and exterior of the property, to avoid preventable damages. If small issues are paid attention to and caught right away, many common problems can usually be stopped at the source – including sun damage. Sun damage is something that happens slowly and becomes more severe as time goes on. If a homeowner is attentive to beginning signs of wear and tear from the sun, they will be able to quickly fix the problem before it results in expensive repairs and possible replacements. Any mold, mildew, or fungus that grows as a result of moisture from sun damage will usually not be covered by the average home insurance policy either. There are some exceptions to this rule in other cases when the growth comes from a peril that is covered by the policy. In the case of sun damage, however, mold and similar issues would not be reimbursed.
What Happens After Heat Damage Is DiscoveredIf any area of your home becomes damaged by the sun, several expenses might be required. The overall cost of any repairs or replacements would be determined by the severity of the damages. However, listed down below are some of the repairs you can expect to come your way as a result of prolonged sun damage.
Potential Expenses After Heat Damage:
- Repainting the exterior/interior walls
- Replacement of roof tiles and interior flooring
- Replacement of furniture/decorations
- Mold and mildew restoration
- Rebuilding/restoring structures