 Find them online at kelmruter.com. This is a Bloomberg Money Minute. It's not just the big storms that leave behind major damage. The Wall Street Journal reports the heat waves we're seeing can do it all. Warp roofs, buckle roads, disrupt power supplies, and shrivel crops. And much of that is not covered by insurance. Cities, regulators, and businesses all are warning about the rising costs of heat waves, which are more frequent and can run into tens of billions of dollars each year.