Are you sufficiently insured against potential fires in your home?
October is Fire Prevention Month.
We give you advice on what insurance cover you should have. Rodel4U then provides fire prevention tips. Protecting you and your loved ones.
According to Sanlam, 1 in 3 houses in South Africa are underinsured. It’s vital for you to regularly assess your level of cover.
Ensure your home has the required coverage. You can never know when a fire might occur.
What cover is best to protect property damage caused by fires?
Many Building Insurance policies in South Africa will have you covered in a fire hazard. Having Building Insurance will ensure your home will be protected with its replacement value.
With many years of experience, RodelSA will warrant your home cover matches its actual building replacement value.
A Rodel4U approved broker will assist you in choosing a policy that covers fire extinguishing and any fire-fighting costs incurred.
Tips for preventing fires in your home
Fire resistance of a thatch home can be improved with the installation of fire retardants. These retardants control the spread of flames. This buys time to escape from the home or control the fire.
Standard Bank recommends that thatch lapas should have a sprinkler system on the roof. Having a 9kg fire extinguisher nearby is also not a bad idea.
The kitchen can be the most hazardous area in the home. The majority cause of home fires is from stove and cooking accidents.
Never use water to extinguish flames if a fire occurs when cooking with oil. This will aggravate the situation and lead to the fire spreading.
It is essential to regularly clean out the oven’s steam extractor to avoid a buildup of oil.
Ensure that your kitchen area is supplied with both a fire extinguisher and fire blanket. Make sure all who live in your home knows how to use these.
Remember that fire extinguishers must be replaced when faulty.
Additional ways to prevent fires in your kitchen include:
- Not overloading washing machines
- Checking inlet/outlet pipes for leaks,
- Not setting your fridge to extreme temperatures
- Checking that drainage holes are clear of any obstructions.
You will have guaranteed safety in your kitchen if you follow the above tips and have the necessary property damage cover.
Electrical fires in homes
Poor workmanship carried out by a handyman, or a builder is often to blame for house fires. Never use a builder or handyman to do electrical work.
Instead, employ a qualified electrician to do this type of labour and insist on a COC (certificate of compliance) on completion of work carried out.
Replace or repair any electrical appliances immediately if there is a burning odour. Emissions of any sparks is also a cause for concern.
You should have the electrical wiring system of your property regularly inspected, especially if you live in an older house.
Laptops and other electronic appliances also cause fires from batteries sometimes overheating, which can result in electrical explosions. To be safe, instead, unplug your appliances when not in use.
Follow your appliance’s manual to ensure you are taking the correct care of your battery.
Surge protection plugs are vital to protect all electronics. Most insurers would not cover your computers or laptops for lightning damage unless they were plugged into a proper protective plug.
Insurance companies also do not cover you for damage to appliances caused by electrical surges. Again, this is why it is vital to have surge protectors installed.
We hope that we have made you more aware of why it is essential to have property damage cover.
October is Fire prevention month. It is the perfect time to invest in a plan to cover your asset in any unforeseen fire episodes if you have not done so already.
Our Rodel Insurance contact number is 011 100 1999. Call us and get in touch with an approved broker should you need any assistance with your home insurance policy.