Homeowners beware: how to shield your property from severe weather damage

IOL News

29-04-2025

Several roads and informal settlements were still flooded after heavy rain and wind lashed Cape Town.
Image: Leon Lestrade
As winter approaches, homeowners are warned to ensure that they are financially protected against the damage that can be done by severe weather systems.
Last week, the South African Weather Service(SAWS) issued an advisory that said a cut-off low was expected to bring heavy rain and cold conditions for much of the country in the week. It said a cut-off low (COL) system is expected to make landfall over the western interior of South Africa.
It was expected to move slowly eastwards and is likely to exit the country by the weekend. Scattered to widespread showers and thundershowers are expected over the central and eastern parts of the country, with rainfall accumulations exceeding 50 mm in the eastern regions.
The meteorological service warned of severe thunderstorms associated with flooding of roads and settlements, as well as damage or loss of infrastructure, property, vehicles, livelihoods, and livestock.
It added that there was also a distinct possibility of damaging hail occurring in association with the thunderstorms.
Marius Kemp, the head of personal underwriting at South Africa's largest short-term insurer, Santam, says that flooding and storms can cause significant damage to your home and belongings, so it is critical to ensure you are prepared.
He explains that in addition to ensuring you have sufficient cover, there are also risk mitigation steps you can take against winter-related risks to reduce damage to your home and valuables, as well as your car when driving.
'Now is the time to assess your property's vulnerability and take steps to minimise the impact of further seasonal changes and severe weather. Making these updates and adjustments now can help prevent serious damage in the long run, which may set you back financially,' Kemp said.
According to Santam, the increased risk of fire in winter is borne out by insurance statistics, fire-related property insurance claims rose sharply during the colder months as people take steps to warm offices and buildings.
In January, the Department of Human Settlements(DHS) told "Independent Media Property" that the housing sector is faced with the challenges of persistent rainfalls in various provinces and prevalent fires mainly within the Western Cape Province, thus increasing the demand for the human settlements emergency response.
On Wednesday, DHS Minister Thembi Simelane would visit families affected by the recent mudslides because of prolonged rainfall that destroyed houses in P Section, Umlazi township.
The minister will also use the day to launch the Zwelibomvu Vumazonke Rural Housing project in Ward 100, eMangangeni, under eThekwini Municipality.