Severe Weather Insurance: Are You Covered?
Gauteng is experiencing an onslaught of severe weather, including heavy rainfall that has caused widespread flooding, property damage, and disruption to traffic. Residents have been left assessing damage to their homes, businesses, and vehicles. While no major injuries have been reported so far, the financial implications are expected to be considerable.
These weather events have raised critical questions about insurance coverage for what is often referred to as “Acts of God.”
Are South Africans Financially Prepared for Weather Disasters
So – how prepared are South Africans for these unpredictable disasters, and what steps should they take to ensure their claims are processed smoothly?
Speaking on Hot Business with Jeremy Maggs and Moneyweb, Oswald Keiler, Head of Short-Term Insurance at Consult by Momentum, provided some clarity on the matter. According to Keiler, damage caused by acts of nature, including storms and flooding, is generally covered under comprehensive insurance policies in South Africa.
“Most people affected by recent weather events in Gauteng should find that their insurance policies cover this kind of damage,” Keiler said.
How Severe Weather Impacts Insurance and Property Maintenance
Insurance companies have already received claims related to flooding and water damage from the downpours. Keiler stressed the importance of ensuring that properties are well-maintained and constructed according to building regulations. Insurance claims can be rejected if assessors determine that damage resulted from defective construction or poor maintenance rather than the weather event itself. For instance, a roof built without proper compliance or a neglected retaining wall could lead to a claim being denied.
The surge in severe weather events is closely tied to climate change. Keiler highlighted that South Africa is seeing an increase in extreme weather, and this pattern is likely to continue. “We are already observing increases in building insurance rates, and this will likely continue as weather-related risks grow,” he explained.
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How to Ensure a Smooth Insurance Claim After Severe Weather
To expedite claims processing, Keiler advised policyholders to document all damage with photos and submit claims promptly. “Avoid rushing into repairs before an assessor evaluates the damage,” he cautioned.
Keiler emphasized that while having comprehensive insurance is essential, homeowners and business owners must take proactive steps to maintain their properties and ensure compliance with regulations. This approach not only mitigates future losses but also ensures smoother claims processing and potentially more stable insurance premiums.
In Conclusion
As severe weather events become more frequent, understanding your insurance coverage is important. You can prevent unforeseen financial losses by keeping your policy updated and your property well-maintained.
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