Jean Genet, the controversial French novelist wrote, “A man must dream a long time in order to act with grandeur, and dreaming is nursed in darkness.”
It now seems that load shedding has become part of our lives and it will be like this for at least the next two years, it appears that we may have much time for dreaming - hopefully we will all be able to “act with grandeur” when supply levels are restored!
In the meantime, many questions and issues have arisen in respect of how load shedding affects our lives and those of our clients. We would like to take this opportunity to shed some light (!) on the issues:
Security systems in most homes rely on electricity for power. In the absence of an electrical supply, electric fences become totally ineffective and alarm systems default to battery backup. The problem is that even fully charged and functional batteries have a limited life-span and in the event of lengthy outages end up providing no protection. Of course, most batteries are operating at less than full capacity and may fail earlier than expected. We thus urge everyone with alarms to check their batteries regularly.
In addition, you should also make sure that your home is secured by physical means. Security gates, windows and unprotected doors should be closed so that the building is secure (while ensuring that there is adequate ventilation!)
Clients insured on our Hollard facility will not be prejudiced where load shedding renders an otherwise operable system that was armed, inoperative.
When power is restored following an outage, there may be a surge that can damage appliances and electronic goods. This can result in great cost and inconvenience. Here, we urge everyone to install proper surge protection on their distribution boards. These are inexpensive, typically costing a few hundred rand. They should be installed by a qualified electrician. If you don’t have surge protection, unplug all your appliances and devices to protect them from the possible surge when the power comes back on.
Cover will depend on the specific policy wording and Insurer. In some cases this cover needs to be specified on the policy and an additional monthly premium is charged and a policy limit and an excess is usually charged. Some Insurers may not charge an excess if approved surge protectors are fitted.
Power outages can indirectly also increase the level of fire hazard in the home. These could arise from numerous sources, such as using candles, generators, paraffin or gas for illumination and cooking. We suggest that battery powered illumination be the first choice. Gas for cooking is the best choice as long as all manufacturer directions are followed. If you have a generator it should be professionally installed and fuel managed according to instructions. Importantly, if your generator is simply back-supplying into your distribution board via a socket, you will be breaching municipal by-laws and this could create issues in the event of a claim. Insurers work in conjunction with the laws of the land and require that these be followed as a condition of the policy. It is also important that a fire extinguisher be at hand at all times.
Scottfin’s Insurers will not seek to avoid claims providing the client has otherwise observed policy conditions.
Should you require more information on how your short term insurance portfolio can be tailor made to safeguard you against possible load shedding losses, we kindly invite you to contact either Marius Marais or Warren du Preez at the Scottfin office.