South African storm season is basically a free extreme sport for your home and car, whethr they want to play or not. Gosh, with the torrential rain, gusty winds, and the occasional hailstorm, your weekend plans can quickly turn into a soggy, windy mess. But don’t panic.
Are you panicking? Seriously. Stop pit. With a little prep and some insurance know-how, you can protect your castle and your ride without losing your cool.
Before the storm
Storms are sneaky. They find all the weak spots in your roof, gutters, windows, and doors. Given that we know that it’s that time of year and we’re going to see some stormy action more frequently, we know that now (not later) is the time to walk around our homes and give them the once-over.
Spend a little time inspecting your home:
- Clear gutters and downpipes to prevent water damage.
- Check the roof for loose tiles or shingles.
- Seal any cracks in windows or doors.
Even simple maintenance now can prevent a costly cleanup later. Remember, small leaks today can become indoor waterfalls tomorrow.
Secure outdoor items
Is it a UFO? Nope, it’s just your patio furniture. Things like your outdoor chairs, garden umbrellas, trampolines, and even potted plants can become flying projectiles in strong winds, which can damage your home. To say nothing of the harm they can bring to your neighbours or cars.
The solution is easy. Just bring items indoors when a storm is approaching or secure them with weights and straps. It might feel over the top, but you’ll thank yourself when your roof isn’t under attack from your own deck chairs.
Car prep for storm season
We’re talking a lot about your home, but cars aren’t immune to storm chaos. Hail, flooding, and fallen branches can leave your car looking like it survived a minor apocalypse. The good news is that all it takes is a few actions and you can prevent a lot of expensive damage.
These easy steps could save you thousands:
- Park under covered areas or garages when possible.
- Avoid parking under trees during high winds.
- Check tyre tread and wipers to handle wet roads.
Of course, a comprehensive car insurance policy ensures that if the worst happens, you’re not footing the bill alone. And you’d be surprised at how often the worst does happen.
Understand your insurance cover
Storm damage is covered under many King Price home and car policies, but it pays to know the details. For instance, Roof, windows, and structural damage is covered, as are your contents if damaged by water or wind.
As you can tell, being aware of your cover goes a long way to helping you avoid surprises when you submit a claim.
Emergency kit essentials
Every home should have a storm kit. Think torches, batteries, basic tools, tarpaulins, and sandbags if flooding is a risk. For cars, include a first aid kit, tow rope, and reflective triangle. Being prepared keeps you calm, safe, and 1 step ahead of the storm.
The king’s final word
Storm season doesn’t have to = stress and shattered windows. With a little prep, taking the time to secure belongings, and King Price Insurance, your home and car can weather the chaos like royalty. We wholeheartedly recommend that you check your cover, tighten loose ends, and make a plan for the wild weather ahead.
With all these tips, you’ll enjoy peace of mind and avoid being caught off guard when the clouds roll in.
Curious about King Price home or car insurance? WhatsApp us on 0860 50 50 50 or click here for a free, no-obligation quote.
FAQs
1. Does King Price home insurance cover storm damage?
Yes, most King Price home policies cover damage from storms including wind, rain, hail, and falling debris, depending on your policy.
2. Is my car covered if hail or wind damages it?
Comprehensive King Price car insurance includes cover for storm-related damage such as hail, fallen branches, and flooding.
3. Can I add extra protection for high-risk areas?
Yes, King Price offers options to increase cover for storm-prone areas or high-value contents for extra peace of mind.
4. How quickly can I make a claim after storm damage?
Claims can be submitted online, via the app, or by contacting King Price directly, with fast responses to help mitigate further damage.
5. Are there ways to reduce premiums while staying fully covered?
Yes, bundling home and car insurance, installing security features, and reviewing policy limits can reduce premiums without compromising cover.