SA warned of cold fronts affecting large parts of the country

Make sure you’re covered for the coming winter months

: This past weekend, the South African Weather Service (SAWS) issued a public warning of cold, wet and windy weather conditions affecting large parts of the country. Two consecutive cold fronts impacted the Western Cape and Northern Cape, before spreading eastwards across the central and eastern interior.

Marius Kemp, Head of Personal Underwriting at Santam, says this serves as a timely indication to South Africans that winter is officially on the way. “Now is the time to ensure that you understand the preparations required for severe weather conditions.’’

“The winter months bring an array of new risks to our properties, cars and home contents and it’s not always the risks people expect,” he says.

 “If you’re in an area that typically gets hit by downpours and flooding, precautionary measures like checking your roof for leaks and clearing your gutters can go a long way in ensuring proper water drainage,” believes Kemp.

He adds that frozen or burst water pipes are also common as temperatures drop, often causing considerable damage to buildings and contents.

"The cold weather contributes to the bursting of water pipes," explains Kemp. "Freezing conditions can cause exposed pipes to crack or leak, as water expands when it freezes, increasing pressure within the pipe."

While geyser claims are usually the most frequent types of claims Santam receives during the winter months, burst water pipes are also amongst the most common homeowner claims to occur. These incidents highlight the importance of taking proactive measures to protect your home.

Many people associate winter risks with cold temperatures and fire, Kemp says, fires are a major concern. “As we rely more on electric appliances during the colder winter months in some areas, the risk of residential fires also increases,” he warns. “Heaters and electric blankets, in particular, are common causes of electrical fires and should be used with caution.”

Preventative measures include keeping a regularly serviced fire extinguisher at home, replacing worn plugs, cords and fuses, and ensuring heating appliances are placed at least a metre away from flammable materials such as curtains or plastic items. Furthermore, Kemp strongly advises to remember to always double-check that all appliances are switched off before leaving the house as this is often a fire starter in many homes.

By understanding what insurance cover is in place and taking practical steps to prepare, Kemp says South Africans can ensure they’re ready to handle any challenges that may arise this winter. “With careful planning and attention to detail, it is possible to navigate the season with confidence, knowing that our homes, vehicles and household items are fully protected against these elements,” he concludes.