Is your property adequately insured?

We live in a changing world where natural disasters, service delivery protests and vandalism may affect your property.

Steve van Wyk, MD of Seeff Centurion, said that it is prudent for home owners to revisit their insurance policies and to check that their cover is not just adequate, but sufficient for all eventualities.

Most home owners are unaware that they may need to add South African Special Risks Insurance Association (SASRIA) to cover special risk associated with civil commotion, public disorder, strikes, riots and terrorism.

In addition to checking the cover on the actual bricks, mortar and structures on your property, check your fixtures and fittings. You may have expensive items that should be covered in case of accidental loss or catastrophe.

Be sure to also check the insurance on your household contents. Bear in mind that replacement costs can run into thousands upon thousands of rands as it adds up very quickly. Aside from checking that you are adequately insured for replacement value, check whether you need to add SASRIA cover.

The negligible cost may outweigh the peace of mind, especially if you live near high risk protest areas. It is also advisable to file an inventory of goods and photographs with the insurer.

Gerhard van der Linde, MD of Seeff Pretoria East, said that it is also recommended that you store vital records and documents such as identification documents, insurance policies and bank accounts in a safe place, preferably a fire proof safe. Ensure that you have a record of the relevant operators and reference or account numbers handy to grab in case of a fast evacuation of your home or emergency.

You may also want to ensure that keys and other necessities are always kept in a place that is quickly accessible in the event of emergency.

Carmen Norton

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