Results 1 to 7 of 7

Thread: INSURANCE WARNING

  1. #1
    Gold Member Phil Cooper's Avatar
    Join Date
    Nov 2010
    Location
    Midrand
    Posts
    645
    Thanks
    0
    Thanked 170 Times in 118 Posts

    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
    Join Date
    Dec 2009
    Location
    Port Elizabeth
    Posts
    890
    Thanks
    20
    Thanked 127 Times in 96 Posts
    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
    Join Date
    May 2006
    Location
    Durban, South Africa
    Posts
    22,648
    Thanks
    3,304
    Thanked 2,676 Times in 2,257 Posts
    Blog Entries
    12
    Quote Originally Posted by Phil Cooper View Post
    MANY Insurers cover surges from Lightning, but exclude "natural" surges.
    Lightning isn't natural?

  4. #4
    Gold Member Phil Cooper's Avatar
    Join Date
    Nov 2010
    Location
    Midrand
    Posts
    645
    Thanks
    0
    Thanked 170 Times in 118 Posts
    Padantic prat! :-)

  5. #5
    Moderator IanF's Avatar
    Join Date
    Dec 2007
    Location
    Jhb
    Posts
    2,679
    Thanks
    197
    Thanked 529 Times in 405 Posts
    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
    Join Date
    May 2006
    Location
    Durban, South Africa
    Posts
    22,648
    Thanks
    3,304
    Thanked 2,676 Times in 2,257 Posts
    Blog Entries
    12
    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

  7. #7
    Gold Member Houses4Rent's Avatar
    Join Date
    Mar 2014
    Location
    Cape Town
    Posts
    803
    Thanks
    8
    Thanked 56 Times in 52 Posts
    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
    083-3115551
    Global Residential Property Investor / Specialized Letting Agent & Property Manager

Similar Threads

  1. Weather Warning
    By pmbguy in forum General Chat Forum
    Replies: 7
    Last Post: 01-Dec-13, 06:25 PM
  2. WARNING TELKOM MIX
    By ians in forum General Business Forum
    Replies: 14
    Last Post: 19-Jul-13, 11:25 AM
  3. [Question] Dismissed without warning
    By kenhkph01 in forum Labour Relations and Legislation Forum
    Replies: 7
    Last Post: 02-Dec-12, 11:40 AM
  4. [Question] Warning device
    By Martinco in forum Electrical Contracting Industry Forum
    Replies: 13
    Last Post: 20-Jun-11, 09:49 PM
  5. WARNING...WARNING...WARNING
    By murdock in forum Electrical Contracting Industry Forum
    Replies: 7
    Last Post: 12-Apr-08, 10:04 PM

Did you like this article? Share it with your favourite social network.

Did you like this article? Share it with your favourite social network.

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •