Did you insure your home? Higher risk of summer fires

Kathmandu. The heat wave is on the rise. This causes problems not only to people but also to buildings and property. The intense heat coupled with the adverse effects of climate change has already started disrupting life in the Tarai districts since Last March.

In the summer season, life is not only disrupted, but the amount of damage caused due to high temperatures in physical property, houses, buildings, electrical appliances also increases. This season causes many problems, especially in the walls of the building, such as cracks in the walls, the color of the walls, the erosion of the roof, and the malfunctioning of electrical equipment.

In our society with limited awareness of insurance, it is still understood that insurance is only insurance of people or motor insurance that has been made mandatory. Therefore, even if you have life insurance here, the practice of insuring for the protection of property has not yet been practiced. Insuring property, including homes, electrical appliances, furniture, valuables, can not only relieve stress but also ensure many benefits. Some of the benefits you can get from property insurance are:

Insurance to protect property from extreme heat

• Sometimes the construction material gets cracked and spreads due to extreme heat. As a result, cracks appear on the walls.
• Hot sun also weakens roof tiles, concrete, and water-resistant layers. Due to which the problem can increase.
• The color of the building’s outer wall fades due to extreme heat. As a result, the color starts blowing.
• Intense heat affects air conductors, water pulling motor pumps, refrigerators, water coolers, cooler fans and other equipment. As a result, there may be a problem of electrical equipment malfunctioning or increasing electricity bills.
• Extreme heat causes more damage to wood and furniture.

Excessive heat can cause many other similar damage to property. In such cases, property insurance will help you to repay.

Do you know what property insurance is?

Property insurance covers damage to homes, buildings, or commercial property caused by natural disasters or other damages such as fire, theft, extreme heat, or any other type of risk. Under this, the cost of repairing the property is borne.

Why is property insurance important?

Financial security: If you insure your property it will guarantee financial security. For example, the insurance company will bear the maintenance cost of damage caused by heat, fire, flood or earthquake etc.

Choose coverage as needed: You can choose property insurance coverage according to your needs. Such as weather-related damage, theft or fire, etc.

Freedom from property loss concern: If you have property insurance you don’t have to worry about property damage.

Assistance in reconstruction: Many times insurance plans cover reconstruction benefits along with legal expenses.

How to choose property insurance to protect your property from extreme heat?

When choosing a

• property you need to make sure that your policy covers heat, fire, and other damage related to weather.
• You should choose an insurance policy that falls within your budget and makes its claim process easier.
• Always buy insurance from a reliable and well-valued company.
• If your property has expensive furniture, choose an additional risk for that.

Read all terms and conditions carefully before insuring

• . So that there is no problem later.
• Before choosing an insurance plan, it is necessary to ensure how much cost of maintenance the insurance company will bear in case of any damage.