Are you prepared for the rainy season?

Gari Dombo, MD of AFI.

Alexander Forbes Insurance (AFI) says that with the onset of the rainy season it is important for people to think of ways to reduce exposure to property damage and motor accidents that happen during inclement weather. In recent years the incidence of flooding by rivers or by surface water runoff has increased because of heavier rains and increase in urbanisation resulting in drainage being less effective.

Gari Dombo, the MD of AFI, says while virtually all domestic or business policies cover buildings / contents for damage by flooding one should take reasonable measures to protect the property and reduce the potential for damage. For example rent a building that has been built above the flood line, if you can’t do that store the goods high up on shelves or pallets, make use of low walls, channels and drains to help divert water away from your property. Make sure that drainage systems are cleared of debris so the water can flow away quickly. Ask the municipality to clear obviously blocked drains or channels on public property.

Before driving in the rain Dombo advises that motorists should take special care to check that headlights, tail lights, brake lights and indicator lights are working properly. “It is also important to check your tyre pressure and treads and ensure that your wipers are replaced if worn,” said Dombo.

Gari Dombo provides the following tips for driving in the rain:

• Slow down, wet weather causes tyres to lose traction with forceful braking.
• Break early and with reduced force.
• Increase your following distance as reduced visibility will leave less time for braking.
• Allow for more time to get to your destination as often traffic builds up in the rain as other vehicles go slower or there are accidents.
• Maximise visibility by defogging your windscreen.
• Switch on your headlights for others to see you. Use the flashing hazard lights when conditions are bad enough.
• When it is safe to, stay in the middle of the road as puddles can form on the edges or the water may flow more quickly there, increasing risk of aquaplaning and loss of vehicle control.
• Park on the side of the road if visibility is impaired

Dombo advises that property can also be damaged directly by severe rain. Your policy requires you to take reasonable steps to reduce or prevent damage. Ensure that all damaged roof tiles are fixed and that your gutters and valleys are clear of debris. Check for anything that impedes the flow of water as this may cause leaks. Check walls and ceilings for signs of previous water entry and apply the appropriate repair and waterproofing immediately. “This maintenance is reasonably expected of everyone,” concludes Dombo.