Keep Your Home Cool | Saga Home Insurance

Here in the UK, we’re not really used to spells of very hot weather. Whenever a heatwave arrives, it takes a moment to remember how we deal with it.

Due to climate change, getting prepared and thinking ahead in the short and long term about how we cope with heatwaves is more important than ever.

Britain’s housing spans centuries and has been adapted, extended and remodelled to allow for new advances, such as central heating and inside toilets. Keeping dry and warm has been the main concern of housebuilders of the last few hundred years – only now are rising temperatures being considered.

Your home might not be prepped for long hot summers, but here are some things you can do now or in the coming years to keep cool under your roof.

How do I keep my house cool in extreme heat?

Surprisingly, to deal with extreme heat, the answer is insulation. We tend to think it’s to keep heat in and keep homes warm. However, a well-insulated home will also keep extreme heat out – like the Thermos flask principle, keeping the contents hot or cool as desired. There’s a happy medium to strike though as super-insulated homes will trap and maintain the heat for longer.

If your loft insulation is getting for 20 years old, it might be an idea to renew it to be efficient all year round. And make sure your home is draughtproof as hot air getting in can be as troublesome as cold.

Sunblock your home

It can seem awful shutting out the sunshine, but an easy and quick fix in a heatwave is to shut your windows in the morning and close the curtains. Keeping your interior dark in the day will keep your home cool. As soon as the sun goes down, you can throw open the curtains, unlatch the windows and let the milder air flow through.

When you’ve got more time to prepare, you can apply heat reflective tinting film to the glass in patio doors and conservatories.

Cooling your home starts outside

Any south-facing walls, doors and windows are going to be in full glare of the sun. Absorbing the heat will mean the air behind them will hot up, and hinges, panelling and locks can shift, warp or stick fast. If this becomes a regular problem, you can install an easy open-and-close awning to shade the whole area. A porch or door canopy could be enough to provide some extra shade.

To keep the sun off your home, a great fix is to put up some hooks and attach some shade sails – or a well-placed pop-up gazebo will do the trick too.

Another idea if you’ve got green fingers is to plant up pots and containers full of lush foliage against a white wall to keep the heat off the house.

Easy tip

Hot air rises and you’ll often find a pocket or layer of hot air at the top of the stairs. This is great in winter, but in summer it can feel oppressive and stuffy. If you can, crank open your loft hatch and the air will rise into the attic space and out through the eaves, cooling things down and helping the air flow.

Can a heatwave damage buildings?

Extreme temperatures can affect your home. Some of these effects might not be immediately apparent while others are. Warping might not appear until the weather turns, while a roof tile can split and slide off while the sun’s at its hottest.

If your home is built on clay, subsidence could become an issue after a heatwave – and it certainly did for many homeowners after the hot spell in the summer of 2022. Signs of subsidence can include diagonally travelling cracks, cracks wider than 3mm, sticking doors and gaps under skirting boards.

Stay safe inside

When we’re trying to keep cool during a heatwave things we usually do at home without a second thought, or rarely, could have an unexpected knock-on effect. These three pointers highlight what could be an issue.

Unplug it – rattly old fans running all night while you’re asleep or overloaded sockets can short circuit or spark. If you’ve got extra electricals going, unplug them (don’t just switch off) before heading to bed. And leave any recharging of phone, laptop and batteries for the daytime when you can keep an eye on them.
Cover up – if you do any crafts, you probably have a standing or clip-on magnifier. Make sure you keep it away from windows and direct light – use the lens cover it came with or pack it away when not in use. Even small shaving or magnifying mirrors can focus light into flammable hot spots, so pop them in a drawer or cupboard.
Cooking on gas? – if you open a kitchen window or outside door, the refreshing draught can make the burner flames dance about or even go out altogether. Keep kitchen roll, cloths and tea towels well away from the hob.

And, of course, never miss an opportunity to test your smoke alarm and replace the batteries.

Play it cool outside

A week or two without rain combined with high temperatures can lead to tinderbox conditions. Some of the most harmless things can become a fire hazard even in your own back garden. Here’s what you can do to dampen the risk of fire.

Nip to the tip – grab any piles of tinder-dry garden rubbish, waste wood or cardboard from large deliveries and get them to your local recycling centre. If there are any dried-out weeds growing out of your guttering, try and get that removed too.
Give compost a drink – pour a couple of buckets of water on your compost heap if you’ve got one that isn’t covered.
Think twice before a BBQ – barbeques are always tempting during a heatwave, but hot metal and embers can lead to all sorts of trouble. In fact, the London Fire Brigade wants disposable barbeques banned altogether. If you do fire up the barbie, be extra vigilant – or go for lovely oven-cooked quiches and sausage rolls instead.
Avoid flare ups – if your al fresco get-togethers include fire-pits, candles or cigarettes, make some easy adjustments for a flame-free evening. Grab a pile of cosy fleece throws for chilly knees, string up solar fairy lights and use upturned terracotta flowerpots on saucers to contain dog-ends.

Our best advice

When there’s extreme weather of any kind, our top piece of advice is always the same – know where to find your home insurance documents. Make sure you know the number to call to make a claim. All claims numbers are staffed 24/7 so you can call at any time of the day or night.

You can get your documents online, log in or set up a MySaga account.

If you’ve never made a claim before, you can find out what happens in our step-by step guide.