Tips to remain protected throughout heavy rains and floods | Krugersdorp News

With heavy rains and floods having hit giant elements of the nation, KZN officially declared as a disaster area and extra rain forecast within the coming days, Auto & General Insurance is urging South Africans to take the mandatory precautions to make sure that they, their family members and their possessions are protected.

“The death toll in KZN has risen to over 430 and countless properties, businesses and vehicles have been either damaged or destroyed, proving the immense physical, emotional and financial impact of natural disasters,” stated Ricardo Coetzee, Head of Auto & General Insurance, who just lately donated R50 000 to help Gift of the Givers with their KZN flood reduction efforts.

For those that have suffered injury to their property and possessions because of storms and floods, it’s important to contact your insurance coverage supplier as quickly as doable. To minimise additional injury and harm, further vigilance on the roads and at house is crucial.”

Auto & General Insurance provided the next recommendation to arrange for, and climate the storm:

GENERAL RULES TO REMEMBER:

• General and common dwelling upkeep, like checking buildings round your own home for weak spots, clearing particles from gutters, reducing away useless timber and branches and making certain sufficient drainage of water, is crucial and can considerably cut back your danger. Reinforcing important buildings in the event you stay in a rain / flood inclined space can also be a good suggestion.
• If you discover that there’s inadequate drainage, or a doable security hazard because of cracking buildings and roads, landslides, rock falls and so on., in a public space, alert the authorities instantly.
• Make certain to have all emergency numbers, together with that in case your insurer, saved in your telephone or memorised. Make certain that your entire household is totally briefed on what to do and who to name within the occasion of an emergency.

HEAVY RAIN:

• Make certain that your out of doors furnishings and equipment are safely saved or firmly secured.
• Heavy rains are sometimes related to lightning. The energy surge of a lightning strike can simply overload most home equipment and gadgets. It’s greatest to unplug these earlier than the storm arrives.
• Where doable, park your automotive beneath cowl and delay travelling till the storm has subsided.
• Don’t park beneath timber as there’s a hazard of falling branches and particles.

FLOODS:

• Move excessive worth gadgets to the very best doable flooring or shelf if a flood threatens.
• Turn off electrical energy and fuel provides if flooding happens to restrict the danger {of electrical} shock or a hearth.
• If you see warning indicators like water seeping by way of the door, it’s greatest to go for greater floor instantly. Do not anticipate it to turn into a life-threatening disaster.
• Motorists shouldn’t try and drive in flood circumstances. Remember that simply 15cm of shifting water can knock you off your toes and water simply 60cm deep can sweep a automobile away. You additionally run the danger of flooding your automobile’s air consumption, which is able to stall the engine. Generally, if the water is deeper than the underside of your doorways or the underside third of your wheels, it’s not advisable to drive by way of it.
• Flash flooding typically happens when rivers movement over low-lying bridges. Avoid crossing bridges or roads subsequent to rivers throughout heavy rains. If you do get caught on a flooded street, it’s greatest to change to the bottom doable gear and proceed slowly.
• If you strategy a flooded spot at velocity, it’s advisable to take your foot off the accelerator and let your velocity drop regularly. Never use the brakes out of the blue as a result of this may occasionally trigger the automotive to skid or aquaplane.

Always do not forget that your life and that of your family members is price greater than any home or automotive, so don’t danger it at any price,” Coetzee stated.

Coetzee famous that whereas it’s too quickly assess the general affect as claims are nonetheless being submitted, it’s important.

He highlighted the assorted sorts of buildings, dwelling contents and automobile cowl that sometimes come into play with storm and flood-related injury:

• Buildings insurance coverage covers loss or injury to the precise home construction because of hearth or explosion; storm, flood, lightning strike and resultant injury; and, floor motion together with subsidence and landslip.
• Home contents insurance coverage covers the possessions which might be in your house. An straightforward technique to decide that is to think about taking the roof off your private home and turning it the other way up, all the pieces that falls out of your own home constitutes your private home contents.
• Fire and Storm Only Home Contents Insurance which covers injury to your private home contents brought on by most pure disasters. These embrace fires, storms, explosions, falling timber (besides in the event that they’re being felled), earthquakes, floods, and injury brought on by burst or overflowing geysers, tools, and pipes.
• Comprehensive automobile cowl will shield your automotive towards any type of monetary loss. This is probably the most in depth type of insurance coverage and covers you within the occasion of theft, hijacking, loss and/or injury brought on by an accident, hearth and pure disasters, and claims made towards you by third events the place you might be liable for the injury to their automobile.

“Events like these highlight the vital importance of being thoroughly prepared to protect you, your loved ones and possessions,” Coetzee concluded.

It’s additionally a reminder that good, complete insurance coverage ought to be non-negotiable, as supporting our prospects in occasions like these is a core cause of why we exist as a enterprise.”

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