This post was published on Jan 15, 2025
There has been significant climate changes across the world, impacting various industries, including the insurance sector. Comprehensive Insurance Policies often cover damages resulting from natural events commonly referred to as “acts of nature”.
In this blog, we’ll talk about weather conditions that can lead to fires and how fire is usually covered by insurance policies in South Africa. We’ll also share tips to help you protect yourself and your belongings from fire damage while making sure everything stays covered under your policy.
Climate change is defined as long-term alterations in temperature and weather patterns according to the UN. While these changes can occur naturally—due to variations in solar activity or significant volcanic eruptions—human activities have been the predominant cause since the 1800s, primarily due to the burning of fossil fuels such as coal, oil, and gas.
According to the CSIR, South Africa experiences severe droughts during the summer and autumn seasons, leaving grass dry and highly susceptible to fires. On July 12 and 13, 2024, devastating wildfires erupted in KwaZulu-Natal province, resulting in the deaths of six firefighters who became trapped in the flames, along with seven additional victims. The fires also claimed the lives of 1,600 livestock and scorched 14,000 hectares of land. While these statistics are shocking, what is even more alarming is that research indicates areas already characterised by high temperatures, dryness, and water scarcity are expected to experience an increase in the frequency of wildfires. This makes it crucial to take preventative measures to ensure the security of your belongings. The best way to do this is not only by ensuring cover for your home but also understanding the risks and circumstances under which claims will be honoured.
What Fire-Related Damages Do Most Insurance Policies Cover?
The underwriting process for home insurance requires a thorough understanding of the structure being insured, particularly the materials used in its construction, as these significantly impact risk assessment. Accurate information is essential to ensure proper cover.
For instance, homes with thatched roofing are considered higher risk compared to those with tiled roofs, primarily because thatch is more flammable. To mitigate this risk, insurers may require the installation of a lightning conductor to reduce the potential for fire damage from lightning strikes.
Insurance policies can also cover personal belongings against fire damage caused by accidents, regardless of weather conditions.
Tips to Ensure the Security of Your Property and Insured Items
Check Electric Appliances:
Ensure your electrical systems and wall sockets are in good condition. Aging or faulty wiring can lead to serious fire hazards—don't overlook this!Fire Extinguishers Ready:
Keep functional fire extinguishers in high-risk areas like kitchens and near braai spots. Make sure everyone knows where they are located!Follow Gas Safety Regulations:
Regularly service gas appliances and connections. Proper installation and storage of gas containers are essential for safety.Conduct regular checks and maintenance
on wiring, extinguishers, and gas appliances. This proactive approach not only reduces fire risks but ensures the safety of your loved ones.
Conclusion:
As climate change continues to affect weather patterns and increase the frequency of wildfires, homeowners must be proactive in understanding their insurance cover. By staying informed about climate-related risks and taking preventative measures, you can better protect your home and belongings from the devastating impacts of wildfires. Being prepared is essential not only for safeguarding your property but also for ensuring peace of mind in an increasingly unpredictable climate.
