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The last 3 years there have been numerous insurance claims for damage to Buildings caused by rainfall & flooding. The following  demonstrate the various ways in which this damage may occur, and to suggest ways in which the risk of an incident, and the magnitude of any consequential damage, may be reduced.

The unusual rainfall patterns seen in recent years have caused flooding problems in areas historically considered to be low at risk, and both the frequency and size of losses have increased significantly.

Rainfall: Building Maintenance

The fabric of the building must be well maintained for protection against the elements. All buildings need frequent and careful examination. Those in elevated positions, exposed to prevailing winds, are particularly at risk from rain entry. The following regular checks are necessary and appropriate remedial action should be taken:

• Check the roof and replace any loose or damaged tiles, slates, ridge tiles and any other roof claddings or flashings.
• Check that flat roof coverings are in good condition, not showing evidence of cracks or splits and are firmly stuck down, particularly at joints. Remember that bitumen felt flat roof coverings must be checked every 3 years.
• Check the condition of roof lights for leaks and cracks or breakages.
• Check and repair as necessary all cement fillets and brickwork pointing, including chimneys, coping stones, lintels and ledges.
• Check that roof gutters and down pipes are clean and unobstructed, kept free from leaves and vegetation. These should be cleaned at least once a year, possibly more often depending on local trees etc.
• Check that if gutters overflow in storm conditions the water will be discharged outside the building. This is particularly relevant to valley gutters and those which run behind parapets, where overflow outlets should discharge through the parapet to the outside of the building. Overflow weirs should be considered if not already fitted.
• Check all internal drainpipes
• Are they protected from mechanical damage and securely fixed?
• Are all inspection covers and rodding eyes easily accessible and free from internal obstruction?
• Are the covers securely fixed to prevent leakage?
• Check the condition of underground drains
• Lift manhole covers and check that the drains are clean
• Make sure that the water runs freely without backing up inside the manhole
• If the pipes are dirty, or the water appears to run more slowly than would be expected, have the drainage system cleaned
• Check that all gullies, gratings and drainage channels both inside and outside the building are clean and free from obstruction.
• It is possible that, despite having done all these things, you might still encounter problems with rainwater drainage systems. Typical problems are:
• Gutters that regularly overflow (even though they are clean and well maintained).
• Constant damp patches on walls
• Puddles that collect on flat roofs in wet weather.

These indications of inadequate drainage design will need specialist attention and you should seek professional advice.

Is your vehicle over 3 years old or has your Motor factory warranty expired?

If your vehicle suffered any form of mechanical damage (not covered by your comprehensive motor insurance policy), do you have enough cash put aside to afford the repairs?  

Stress no further, we are happy to announce the launch of our new Motor Engage warranty policy. For as little as R165pm you can insure against mechanical damage to the Engine and other components.

A policy can be issued on its own (stand alone) or it can be added to our existing clients Domestic or commercial Insurance policy.

Cover is determined by:

* Age of the vehicle

* Odometer readings at inception

* Vehicle type

* Mechanical condition

Here is a breakdown of cover  available, with the limits applicable.

Components                             Diamond    Double Platinum    Platinum             Gold            Bronze 

1. Engine                                      R50 000             R36 000          R18 000             R8 500          R6 500

2. Gearbox                                   R35 000              R25 000          R12 500            R6 000          R4 000

3. Differential                                R35 000              R25 000          R12 500            R6 000          R4 000

4. Differential Lock                       R20 000              R15 000           R  7 500            R5 000         R3 000

5. Transaxle                                  R20 000              R15 000           R  7 500            R5 000         R3 000

6. Transfer Box                             R20 000              R15 000           R  7 500            R5 000         R3 000

7. Electrical components             R20 000               R15 000          R 10 000           R7 000          R3 000

8. Supplementary components   R20 000               R15 000           R10 000            R7 000         R3 000

Premium per month           Diamond        Double Platinum    Platinum        Gold            Bronze

 (including VAT)                               R600                      R420                R295             R205            R165

Terms and conditions that apply:

* Vehicles between 10 and 15 years - Bronze

* Mileage between 180 000km and less than 300 000km - Bronze

* Vehicle must be of sound mechanical condition and have a roadworthy certificate.

* Not applicable to Taxi's, rental vehicles, exotics, security vehicles, rebuilds or modified vehicles as well as vehicles used in any form of motoring competition or sport.

Exclusions:

* Further or additional loss from primary cause of failure

* Parts not specified in the "components section" of policy wording

* Repairs undertaken without prior authorization of the Administrator

* Damage resulting from fitting of experimental units, or modification

* Standard services or service parts whilst vehicle is being maintained

* repairs from disconnection or tampering with odometer

* gradual deterioration in operating performance

* repairs, replacement or alterations not accompanied by VAT invoice

* Mechanical/electrical failure recoverable under another policy

* Damage resulting from water, foreign substances, incorrect or contaminated fuel, defective workmanship or poor products

* Re-gassing of air-conditioner

* Oil leaks and/or damages as a result thereof

* Cause of breakdown evident prior to effective date of policy

* Hoses, pipes, auxiliary belts, fan blades, CV rubber boots and dust covers

We have such faith in our Products that we Insurance Brokers use them ourselves.

Leave your details on our website or phone us on 031-5021922 for assistance with this unique product offering.

Written by Andrew Ensor-Smith 18/02/2020