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Thread: INSURANCE WARNING

  1. #1
    Email problem Phil Cooper's Avatar
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    INSURANCE WARNING

    Warning re security in December.

    A number of insurers have asked us to warn our clients of the effect of power trips on burglar alarm batteries.

    These batteries are not really designed for heavy, regular charging and discharging, and may become ineffective, running flat in 1-2 hours instead of the 4-6 hours generally expected.

    If your household insurance is subject to having an alarm operating when unoccupied, and your battery is flat an hour after a blackout starts, insurers are warning they may decline your burglary claim during that period as you have not shown due care.

    However, the consensus is that if you can show you have shown due care, had battery checked/replaced, insurers will meet any claim exacerbated by a non-functioning alarm during an extended electricity failure. You will just have to show that the alarm had been set when you left.

    ALSO

    Check if your Insurers cover loss/damage caused by power surges following blackouts.

    MANY Insurers cover surges from Lightning, but exclude "natural" surges. When power is turned back on after a blackout, there are HUGE surges for a few minutes, This can burn out electrical equipment, fridges, and the like. It can hurt you if you end up with an R80,000 loss (as happened to one of my clients) and it is not covered (as did NOT happen to my client)!

  2. #2
    Gold Member Sparks's Avatar
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    Something else to check is electric fencing. Check to see if it is armed after the power comes back on. You might need to activate it manually after load shedding.

  3. #3
    Site Caretaker Dave A's Avatar
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    Quote Originally Posted by Phil Cooper View Post
    MANY Insurers cover surges from Lightning, but exclude "natural" surges.
    Lightning isn't natural?
    The trouble with opportunity is it normally comes dressed up as work.

  4. #4
    Email problem Phil Cooper's Avatar
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    Padantic prat! :-)

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    Moderator IanF's Avatar
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    Quote Originally Posted by Phil Cooper View Post
    Padantic prat! :-)
    Pedantic


    Only stress when you can change the outcome!

  6. #6
    Site Caretaker Dave A's Avatar
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    Quote Originally Posted by Phil Cooper View Post
    Padantic (sic) prat! :-)
    Probably the way claimants feel when their insurer declines a claim based on questionable interpretation
    The trouble with opportunity is it normally comes dressed up as work.

  7. #7
    Gold Member Houses4Rent's Avatar
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    When the power goes I switch off all circuit breakers for the plugs. When power comes back on I wait a few minutes and then switch them back on. Lost once a fridge to a surge and this should now no longer happen.
    Houses4Rent
    "We treat your investment as we treat our own"
    marc@houses4rent.co.za www.houses4rent.co.za
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    Global Residential Property Investor / Specialized Letting Agent & Property Manager

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