With load shedding returning, damage to personal property may become a new reality and its best that households be prepared.
Given the importance of insured items, it is crucial that policyholders take steps to enhance their chances of claiming success in the event of any loss or damage to the insured items, said the legal expert
Maphumulo noted that there are a few methods to enhance one’s chances of claiming successfully when such claims arise – especially during load shedding.Updating the policy;Any material changes to the home/house conditions are communicated to a broker or insurer;Ensure that all the required mitigating equipment is installed and is in a working condition. These may include having fire insulators, fire alarms, fire extinguishers, prescribed door locks, etc.
“Where one’s claim has been rejected, it is important that due consideration is given to the rejection, the reason thereof, and possible ways of challenging same.” He said that this is important because a policyholder would have paid premiums for such cover with the hope that they will be covered in case an insured risk arises. Although the insured can do an internal appeal and further make submissions to the Ombudsman’s Office without any legal assistance, it is also advisable to source legal assistance.
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