Extreme weather and your insurance - here’s what you need to know ahead of winter

The latest World Economic Forum Global Risks Perception Survey has listed ‘extreme weather’ as the second most severe risk on a worldwide scale over the next 10 years. South Africa has not been spared the brunt of this prediction with large parts of the country lashed by heavy rains that have caused flooding and extensive property damage, in the last couple of weeks.

With winter fast approaching, and weather patterns suggesting it is going to be a harsh season, Attie Blaauw, Head of Personal Lines Underwriting at Santam, has advised those living in areas prone to extreme atmospheric conditions in South Africa to take precautions.

“There are steps that can be taken to lower risks associated with property or personal injuries during these extreme weather events. These extreme weather conditions have destroyed economies, lives and livelihoods. Importantly South Africans need to be careful and exercise extreme vigilance in the wake of the severe weather conditions that may inflict the country,” said Blaauw.  

He shares these tips below:

Driving through a downpour:

• If at all possible, avoid areas prone to flooding – particularly in periods of heavy downpours
• Monitor the local radio stations in your area for weather and traffic updates and plan your route accordingly
• Reduce your driving speed in rainy conditions and increase your following distance from the vehicle in front of you
• Make sure your headlights are switched on (Do not put these on the bright setting)
• Be alert and be aware of the vehicles around you – particularly in times of poor visibility
• Obey the rules of the road, especially any temporary signage or hazard warnings around flooding

Should you find yourself in deep water:

• Stay calm and stay alert - do not panic
• Avoid driving through sections of water where you are unable to see the road, this is both risky and dangerous
• Do not drive around or through barricades – they have been put there for your safety
• Should your vehicle be trapped by rising water, stop, then get out of the car and move to safer or higher ground. Your safety and the safety of your passengers is more important than your vehicle

How to protect your vehicle from hail:

• If possible, use a GPS or Maps app functionality to search for covered parking facilities nearby (such as a shopping mall)
• Cover your car with thick fleecy blankets
• Think of investing in a low-cost vehicle carport
• Ensure that your car is insured for the correct value and that your policy will cover hail damage

How to protect your house:

• Clear gutters of debris frequently to ensure less chance of overflow that could lead to water push backs and potential internal water damage
• Inspect the roof regularly and be vigilant about maintaining it
• Keep trees and shrubs trimmed to prevent branch or debris damage to a home
• Secure outdoor furniture or move it under cover
• Ensure that your home and household contents are insured for the correct replacement value