Two weeks ago, we shared 4 preventable insurance risk tips that many Durban claimers undergo, but that’s really not all. Some of the cases we, as South African insurance brokers, are involved in will make you kick yourself. Luckily, brokers are always on your side so you don’t have to worry too much if you have one. Fighting for your claim (which is also something you’ve already paid for) is what we’re here for.

Here’s another 3 cases we deal with regularly. Purely for your safety.

1. Dishwasher and washing machine mishaps 

“And when I walked in there was water all over the place…” That’s probably because you put too much soap in or your washing machine/dishwasher hose was loose or damaged. How often do you check your hoses for irregularities? They should be inspected regularly and replaced once every three years at the least.

Your dishwasher can be cleaned quite easily by running it with two cups of vinegar in the bottom or just with dishwasher cleaner. While doing so, some recommend stopping it mid-cycle and letting it sit for 20 minutes; then restarting and let it finish the cycle. This prevents buildup and clogs which can cause leakage.

Now, we understand that accidents happen. And insurance brokers can get you your payout, but it’s always better to avoid the mishaps if possible… Right?

2. Wire fires

Because we get calls in from homeowners and businesses about fires caused by electricity, we Googled, “how to avoid electrical fires” (Isn’t Google just the best?) and we came across Safety Electricity. Here are some tips according to this organisation:

• Electrical outlets— Check for loose–fitting plugs, which can be a shock or fire hazard. Replace missing or broken wall plates so wiring and components are not exposed. If you have young children in the home, check that unused outlets are covered.

• Plugs —Never force them into outlets. Don’t remove the grounding pin (third prong) to make a three-prong plug fit a two-conductor outlet. Avoid overloading outlets with adapters and too many appliance plugs.

• Cords— Make sure they are not frayed or cracked, placed under carpets or rugs, or placed in high traffic areas. Do not nail or staple them to walls, floors or other objects.

• Extension cords —Use them on a temporary basis only. They are not intended as permanent household wiring. Make sure they have safety closures to protect young children from shock and mouth burn injuries.

• Light bulbs —Check the wattage to make sure light bulbs match the fixture requirements. Replace bulbs that have higher wattage ratings than recommended on the fixture. Make sure they are screwed in securely so they don’t overheat.

  

  3. Roof leaks and collapses

Before you even buy a new building, factory, house or whatever it may be, have the roof thoroughly inspected. In some countries one cannot purchase any kind of building if it hasn’t been inspected by two different inspectors. In South Africa it’s a little bit different.

While decay does occur naturally, basic roof maintenance is key to its longevity. Gutter cleaning, shingle replacement, trimming over hanging branches, monitoring the room during bad weather. These are all actions one could take.

While decay does occur naturally, basic roof maintenance is key to its longevity.

However, for your own safety keep your eyes open for any of the following warning signs that indicate the building is under stress and may result in a collapse:

• Cracks are visible inside and outside of the walls. If the cracks appear in the same place, but on opposite sides of the wall, have it inspected immediately by a qualified structural engineer or inspector.
• Cracked ceilings.
• Deflection of beams or structural members.
• Cracked or broken windows may indicate pressure on the glass.
• Unusual creaking or popping sounds.
• Doors or windows that bind or do not open and close properly due to racked frames.

If all or any of these signs appear or worsen, please contact the appropriate person.