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As the much-anticipated rainy season approaches, there is no worse stressor than that of not having the right cover for your home. Understanding the terms and conditions that come with your cover will ensure that you are not left standing in rain, saving you thousands of Rands in excess.


According to Stephen Raseobi, Head of SIL Claims at Standard Bank Group, homeowners can spare themselves the burden of battling it out with the insurance companies and mitigate claim rejections due to weather damage on their homes by familiarising themselves with claims processes.


Homeowners should regularly check their homes for any possible gradual operating causes such as puddling of water on flat roofs, which could give rise to a claim but has been happening over an extended period; this could affect the claim negatively for the insured.


“For every improvement done to your property to increase the value of risk, it is mandatory that the insurer is notified. This could prevent any possible angst related to complaints on the part of the client and this would help them to effect necessary maintenance before the stormy or rainy seasons come”, says Raseobi.


Standard Bank’s HOC product is an all-inclusive policy which covers a range of perils including storm – this comes in a package – one cannot elect to omit part of cover such as storm because the area is not prone to weather elements.




About Standard Bank Insurance

Standard Bank Insurance Brokers (Pty) Ltd (“SBIB”) is an authorised financial services provider FSP 224. SBIB is a Group company of The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06), an authorised financial services and registered credit provider (NCRCP15).


Frank Financial Services is a juristic representative of the Standard Bank of SA, an authorised FSP. Products are underwritten by Liberty Group Limited.


Disclaimer: The views and opinions (information) expressed in this article are for information purposes only and do not necessarily reflect the official policy or position of The Standard Bank of South Africa Limited and/or any of its subsidiaries and holding companies and their subsidiaries and holding companies (Standard Bank Group).  The Information provided in this article does not constitute advice and is not to be relied upon as independent professional advice of any kind. The Standard Bank Group makes no warranties or representations (implied or otherwise) as to the accuracy, completeness or fitness for purpose of the Information provided in this article or that it is free from errors or omissions.  The Standard Bank Group and its employees, agents and representatives accept no liability for any loss, damage or claim arising from the use of any Information presented in this article.

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