As thunderclouds build and lightning crackles across Gauteng’s skies, residents are being urged to prepare for what the South African Weather Service predicts will be a wetter, stormier summer than usual. It’s not just about keeping an umbrella handy — the real concern is protecting homes, cars, and businesses from the kind of severe weather that can cause lasting damage.

From flash floods that swamp low-lying areas to hailstorms that pelt vehicles and rip through roofs, the risks are real and recurring. Poor drainage, clogged gutters, and neglected roofs are often the first weak points to give way. Taking time now to clean out gutters, secure loose roofing, and inspect for leaks can save thousands of rands — and countless headaches — later in the season.

But when damage does happen, what you do next matters just as much. Speaking on HOT Business with Jeremy Maggs, powered by Standard Bank, Ernest North, co-founder of Naked Insurance, says the first step is to minimise further loss:

“If you see something going on and you can move valuables or unplug equipment, do it. It can make a real difference in how quickly your claim is processed.”

Listen to the full interview from HOT Business with Jeremy Maggs:

North also advises taking clear photos of any damage and submitting claims as soon as possible — especially during heavy storm periods when insurers are inundated. He notes that speed can literally move you “to the front of the queue.”

Reviewing your insurance cover before the season hits is equally important. Many homeowners forget to update their policy after home improvements or big purchases, and few realise they can negotiate a flat excess amount rather than a percentage of the total claim.

As North puts it, “Preparation and quick action are the difference between inconvenience and catastrophe.”