Guiding consumers since 2009

What your insurance policy covers when it comes to the elements

By Staff Writer

Today is World Meteorological Day and we thought we’d take a look at what the weather means for your insurance.

Below is a table of weather elements that are  and aren’t covered by your insurance policy.

 

Weather elements that are covered

Weather elements that are not covered

Wind (e.g. Tornado, strong winds)

Solar Heating equipment in a Frost area

Flood (e.g. Tsunami, river flooding)

Any weather related damage in a partially roofed construction

Hail

Movement of Land caused by:  Volume changes in clay based soil/rock caused by changes in moisture/water

Storm

Movement of Land caused by: Excavations other than mining excavations

Lightning (including thunder)

Movement of Land caused by: Removal of or weakening of pillars

Movement of Land (Natural shifts/ human activity)

Movement of Land caused by: normal settlement, shrinkage or expansion of dwelling

Snow

Movement of Land caused by: poor compaction of landfill

 

Rise in the underwater water table or pressure caused by it

 

Then please bear in mind that a weather related claim will also not be covered if the following either caused or contributed to the loss:

- defects in the design or construction of the building

- construction, alteration or repairs, defective workmanship or materials

-  a lack of maintenance

Recent Articles

Featured New homeowner? Be aware of these extra expenses

You’ve overcome all the hurdles of buying a home. You’ve managed to pay your deposit and your closing payments, and now you’re a proud title deed holder. However, there are other expenses waiting around the corner. Are you prepared?

Your biggest credit conundrums – answered

Understanding your credit health is one of the most important factors in managing your finances. This is because it gives you insight into your debt, your borrowing ability, and your financial history. While many understand this, there are still many questions on how to do just that.

Avoid debt collectors, choose debt counselling

There are two things you can do when you are struggling to pay your debt. You can either let your creditors hand your debt over to debt collectors – or you can let debt counsellors help you deal with your debt.

Retail notes: easy investment option for new investors

Being a newbie in the world of investing can be challenging because you don’t know where and how to invest. With so many investment options, you could easily be befuddled. Justmoney looks at how retail notes can help you cut your teeth in the world of investing.   

Deals

Translux Student Discount

Price: Depends on destination
When: Daily
Where: Nationwide

Zimbali Senior Citizens Discount

Price: From R1342.00
When: Until 14 December 2019
Where: KwaZulu Natal

Free meal for kids at Mozambik Restaurant

Price: Free
When: Until 15 November 2019
Where: Johannesburg, Durban, Pretoria