Most common residential building claims
Lightning
*Gauteng skew
|
1 |
|
19 |
Burglary
(forced entry)
|
1 |
|
148 |
| Fire |
1 |
|
413 |
Theft
(no forced entry) |
1 |
|
1458 |
Flooding events are sporadic but recent flooding since January
resulted in 289 claims of about R39m damage over a 2 week
period.
The average Gauteng house will have a direct lightning strike
every 25 years, but will experience power surges due to lightning
more than 10 times a year.
Risk calculator
For many people the most expensive item they buy would be their
home, unless they collect expensive jewellery or art. This online calculator
helps you rest assured that your home contents are correctly
insured.
Professional risk assessment
Use our DIY inventory and calculators or have a professional
assessment done by:
- Abalaing Valuers (Tel: +27 86 111 1758)
- Mirfin Valuation Services: (Tel: +27 86 164 7346)
- NID (Tel: +27 51 411 6363)
- Qantam (Tel: +27 861 726 7475)
Insurance red flags
Incorrectly insured
Santam's claims stats show that our clients' vehicles are often
over-insured.
Use our risk
calculators or conduct a professional assessment to determine
the correct replacement value of your house contents or speak to
your broker to ensure that you are correctly insured.
Insufficient cover
Clients often choose subsidence and landslip cover for the
structure and don't realise it could be necessary for the contents
of their house as well. Speak to your broker or contact Santam to
ensure you are sufficiently covered.
Insufficient safety measures
Only 1 out of 7 clients has a tracking device. Only 1 out
of 10 clients has a gear lock.
Clients should ensure that they have suitable safety measures in
place. Speak to your broker or contact Santam to ensure your safety
measures are relevant to your vehicle.
