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Associations
April 26, 2019

SA Insurance Association comments on flooding and weather damage

<strong>By: SAIA</strong>

<span style="font-weight: 400;">The South African Insurance Association (SAIA) notes with concern the forecasts for further heavy rains and localised flooding in KwaZulu-Natal that have already suffered weather damage over the past few days. </span>

<span style="font-weight: 400;">With heavy rains set to continue, SAIA encourages everyone to heed the warnings of weather forecasters and local emergency management authorities. </span>

<strong>Where there is a possibility of flooding and landslides, SAIA recommend the following safety precautions: </strong>

<ul>

<li><span style="font-weight: 400;"> Move immediately to higher ground or stay on high ground; </span></li><li><span style="font-weight: 400;"> Avoid walking or driving through flood waters. Roads may have weakened and could collapse under the weight of a car; </span></li><li><span style="font-weight: 400;"> If advised to evacuate your home, do so immediately; </span></li><li><span style="font-weight: 400;"> After a flood, return home only when authorities say it is safe to do so; </span></li><li><span style="font-weight: 400;"> You should also be aware of areas where floodwaters have receded and take note of debris; </span></li><li><span style="font-weight: 400;"> Photograph damage to your property for insurance purposes. </span></li>

</ul>

<strong>There are a number of insurance products available to assist in recovering from the adverse effects of storms and flooding. These include: </strong>

<ol>

<li><b> Homeowner / Building Cover: </b><span style="font-weight: 400;">This insurance covers the building and other things </span>that are permanent and immovable within your property boundaries. Most homeowner policies include perimeter walls, garages, gates and the motors that power them, outbuildings, swimming pools, borehole pumps, and fixtures and fittings in the house or flat itself.</li>

</ol>

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<li><b> Household Contents Cover: </b><span style="font-weight: 400;">Contents includes your furniture, clothes, crockery, linen </span>and other items in the house. By taking out household-contents insurance cover you know that when you are affected by flooding, the insurance product will assist you by replacing, repairing or reinstating the damaged goods.</li>

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<li><b> All-Risk Cover: </b><span style="font-weight: 400;">This covers the above categories but includes other items that you </span>carry with you such as cell phones, cameras and laptops.</li>

</ol>

<span style="font-weight: 400;">As policies vary between different insurance companies, it is important to understand the full extent of the cover provided by each policy. Should there be any uncertainty as to what cover has been provided, please contact your insurance company or broker.</span>

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