Is Your Property Ready For Flash Floods & Freak Storms?

Over the past few years, South Africans have experienced a surge in extreme weather events from sudden flash floods in KwaZulu-Natal to destructive hailstorms in Gauteng. These are no longer rare anomalies. They’re becoming part of a new climate reality.

And this shift is having real consequences for how people protect and manage their homes and business properties.

Why This Matters?

Increased storm frequency and severity can lead to:

• Structural damage (collapsed roofs, leaks, compromised foundations).

• Power surges and electrical failures.

• Flooding due to overloaded drainage systems.

• Wind damage to roofs, windows, signage, and outbuildings.

Beyond physical damage, there are growing financial risks—such as higher repair costs and changing conditions around insurance claimsand property cover.

Climate Risk Readiness: A Property Owner’s Checklist.

Ask yourself the following:

• Are  your insured values (sums insured) up to date?
      Building and replacement costs have risen significantly. Outdated values could leave you underinsured.

• Are stormwater systems properly maintained?
      Gutters, downpipes, and drainage systems should be clear and functioning — regular checks need to be done.

• Is your roof and waterproofing in good shape and documented?
      Insurers often require proof of maintenance or inspections, especially for high-risk areas.

Have you documented your property?

Up-to-date photos and records can streamline any future claims process.

Smart Preventative Actions

Consider these practical steps:

• Clean gutters, drains, and downpipes regularly.

• Check and repair roof sheeting, flashing, and seals.

• Install or upgrade stormwater channels in flood-prone areas.

• Store key documents and photos of your property in a safe, digital location.

• Review your insurance paperwork carefully to understand exclusions and excesses –  discuss with us any areas of concern.

Avoid These Common Mistakes

• Ignoring maintenance needs ( e.g. blocked gutters and cracked roofing can void claims).

• Underestimating the value of your contents or buildings.

• Failing to disclose if your property is on an historical flood risk area or any other material fact which needs to be disclosed – if in doubt, call us.

Staying Ahead of the Storm

With severe weather becoming a growing reality, proactive property management is no longer optional. Now’s the time to assess your property’s vulnerability and take meaningful steps to reduce your risk. This is an investment in your property and in your financial wellbeing, as fewer losses can help to avoid additional premium increases, terms imposed or higher excesses.

Protect what matters most by staying informed, prepared, and resilient in the face of a changing climate.