How you can minimise the damage of summer thunderstorms

A2blGlobal warming is causing increasingly severe thunderstorms. The hail storms of 2012 and 2013 cost the insurance industry hundreds of millions of rands.

Even though you may be insured, here are some important tips on how you can reduce the damage and minimise your exposure:

  1. Before the summer rains come, have your gutters cleaned and any cracked or loose roof tiles fixed so they can handle larger volumes of water. 
  1. Have drains around your house cleared to prevent potential flooding. 
  1. Protect your electronic equipment such as televisions, hi-fi and computer equipment with electrical surge protection. There are many products to choose available – from inexpensive strike plugs, available at any electrical store (not 100% effective, but provide some protection) to more sophisticated systems from companies such as Surgetek. 

The best protection, however, is to unplug your appliances and electronic devices from the wall socket during a storm.

  1. Keep windows and doors closed during storms to prevent wind damage. 
  1. Avoid driving into heavy storms that could expose your vehicle to hail damage. 

Where possible, park your vehicle under shelter, particularly in the afternoons when thunderstorms are at their most severe.

Some insurance policies do not automatically include cover for hail damage to motor vehicles. If it’s not covered by your policy, we recommend that you arrange cover because hail damage can result in substantial unforeseen costs.

Good news! If you’re insured under FPM’s comprehensive motor insurance policies, you’re already covered for hail damage.

As a service to all of our valued policyholders, FPM will be sending out SMS alerts ahead of known severe thunderstorm activity to help you avoid any unwelcome events.

Should you be interested in finding our more about the cover options available to protect your assets from storm damage, please don’t hesitate to contact me.

RodneyRodney Caruana
Relationship Director
rodney@fpm.co.za
0861 111 376

This article is a general information sheet and should not be used or relied on as professional advice. No liability can be accepted for any errors or omissions nor for any loss or damage arising from reliance upon any information herein. Always contact your financial adviser for specific and detailed advice.