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 The bank took money from my account – is this allowed?

You’ve just deposited money into your account and suddenly you see a notification from your bank. Money has been deducted from your account to pay the outstanding debt that you have with the bank. Is this allowed?

How much does it cost to draft a will?

Having a Will allows you to determine who inherits your property when you die. If you die intestate, the government will determine how to distribute your assets. Many people die intestate because they don’t know how to draft a will or are intimidated by the costs of drafting one.

Is your home correctly priced for the current market?

The property market is typically in either one of two phases, a buyers’ market or a sellers’ market. According to real estate experts, we are currently in a buyer’s market. For this reason, it is important as a seller to correctly price your house to ensure interested buyers and a valuable sale in the end.

Fuel rewards programme – how to fill up on petrol and points

South Africa’s volatile economy has often meant that factors like the fuel price bear the brunt. This year alone the country’s fuel price has fluctuated by between R1.50 to almost R3, which has put increasing pressure on motorists. That said, many of the bigger South African brands have provided some relief by way of fuel rewards programmes.

Deals

Wax On Wax Off Wednesdays at Rouge Day Spa

Price: From R50
When: Wednesdays
Where: Cape Town

Aarya Restaurant Christmas Lunch Special

Price: R425
When: 25 December 2019
Where: Johannesburg

Da Vinci’s Tantalising Tuesday Pizza Special

Price: Available on request
When: Tuesdays
Where: Cape Town