Rain or Shine, Preparation is Key
- sammijo0
- Sep 22, 2025
- 2 min read
As we head into the rainy season, it’s a good reminder that life—much like the weather—doesn’t always stick to the forecast. ☔
You never really know when you’ll be caught without an umbrella, which is why it pays to always be prepared.
The same is true for your financial journey: unexpected changes can come at any time, but with the right planning in place, you’ll stay protected and ready to face whatever comes your way.
Preparing for the Rainy Season – Risk Prevention and Maintenance Advice!
As the rainy season approaches, we remind you to ensure that proactive steps are taken to protect your property, assets, and vehicles. Many claims during this period are not caused by insured perils alone, but by a lack of maintenance or failure to prepare
Please consider the following risk management measures:
Buildings & Property
Inspect and clear gutters, downpipes, and drains to prevent water build-up and overflow.
Check roofing, flashings, tiles, and waterproofing for cracks, loose fittings, or leaks.
Ensure stormwater channels and weep holes are free from blockages.
Trim back trees or branches that could fall and cause damage especially when flailing around in high winds.
Power surges are common during storms and outages. They can damage TVs, computers, routers, and appliances. Use plug-in surge protectors for electronics or install a whole house surge protector for broader coverage.
Insurers often see a spike in claims for fried electronics after lightning or load fluctuations, and prevention here can save excess payments and inconvenience.
Vehicles
Ensure windscreen wipers, tyres, and lights are in good working order.
Tread on tyres is checked frequently, as aquaplaning can occur when braking even at moderate speeds and through shallow and seemingly harmless looking puddles.
When the rain arrives (and it will):
Park vehicles in safe, elevated areas where possible to avoid flood damage.
Avoid driving through flooded roads – water damage to engines is costly and the flooding often hides potholes.
Never activate cruise control during the rain. If the vehicle hits a puddle and loses traction then the engine roars to life as it assumes that the vehicle has slowed down and is no longer cruising.
General Housekeeping / Spring Cleaning
Store valuables, chemicals, and electrical equipment off the ground to reduce flood risk.
Back up important documents and data.
Review insurance policies to confirm sums insured are current and adequate.
Please remind clients that maintenance is their responsibility. Failure to maintain roofs, gutters, and drainage systems can lead to losses not covered under the policy due to wear and tear or lack of upkeep.
By taking these steps now, insured clients will be better prepared, and potential losses can be minimized.
Insure Brokers
8 Eagle Road, Southbroom
South Africa
The information provided in this newsletter is for informational purposes only and should not be construed as professional advice. While we include links to helpful third-party websites, please note that we don't control or guarantee the accuracy of the information on those sites. We encourage you to reach out to our office if you need personalized advice. We're not responsible for any actions taken based on the information shared here or through the links provided.
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