Eastern Cape floods: Is your house, car, business insured for natural disasters?

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It is important to get appropriate insurance cover, but it is also important to take sensible steps to mitigate the risks as home and car owners.

Residents and businesses in Eastern Cape have been left in a devasting state after floods due to heavy rainfall on Tuesday.

For this summer, eastern provinces in South Africa can expect above-normal rainfall due to changing climate. South African Weather Service meteorologist, Lehlohonolo Thobela told theRowan de Villiers, acting head of claims at Santam told The Citizen that natural disaster insurance can give people peace of mind that their property will be indemnified in an unfortunate event.

“When we refer to ‘peace of mind’ we include the individual’s ability to carry on with their lives during an unforeseen event in order to bring them back to the same financial position as before the loss occurred and the chances of such catastrophic events taking place have increased over time which places further importance on the reason why individuals need to take up natural disaster insurance.

“Our data shows that the risks from hailstorms and other severe weather-related events have risen over the past decade. During the last hail season in late 2023, over 20% of weather-related damage claims received by Naked were due to hailstorms.” Keep an eye on weather forecasts during the rainy months. “This can help you to avoid driving through hailstorms and torrential rain, as well as take steps to protect your property before the weather turns bad.”

If you find your car in rising water, do not restart the engine to avoid damage. “Call your insurer’s emergency assistance line for advice and a tow.”

 

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