Loadshedding – Are you covered?

Loadshedding is back, and whether it’s due to coal shortages, poor coal quality, vandalism, strikes – or whatever, none of us actually care about the reason anymore. All we care about is that there will be loadshedding again in the foreseeable future. So now is the perfect time for those insured to check if their policies include adequate cover for the unique risks that are associated with loadshedding.

The perils of loadshedding

When electricity resumes after loadshedding, a power surge generally occurs due to a boost in the electrical charge in the power lines. This increases the current flow of electricity to the wall outlet, which may cause appliances and other electronic devices to short-circuit or malfunction. Power surges can also lead to electrical fires, which may cause a house to burn down.

Constant loadshedding can drastically reduce the lifespan of your property’s alarm battery, making it even easier for burglars, who already have the cover of darkness.

Tips to take the load off when the power’s down:

  • Unplug appliances that are not in use
  • Install power surge protectors
  • Keep your fridge/freezer doors closed to prevent food from spoiling
  • Test your alarm system and back-up battery regularly
  • Ensure that your electric fence/gates can operate during power cuts
  • Request more patrols/checks from your security company
  • When driving at night be vigilant as it’s difficult to see where intersections are when traffic lights are down, which can cause severe car accidents
  • Keep your phone charged at all times and have all your emergency numbers handy

Remember, if you’re underinsured for certain loadshedding risks and have not taken the necessary safety precautions, it could lead to your claim being denied. So speak to your broker to review your policy.

Happy holidays and let’s hope all our Christmas lights keep shining bright!