Warning for homeowners in South Africa

Experts warned that South African homeowners must perform essential summer maintenance to prevent storm damage, burglaries, and insurance claim rejections during the festive season.

While many South Africans may be focused on things like hosting events or going on holiday during the festive season, they often overlook the potential risks that the warmer summer months bring.

MiWay executive head of personal lines Sherry Sibeko warned that summer also means heightened risks for homes with storm damage, electrical faults, and opportunistic burglaries being the main culprits.

“Summer is the perfect season to check your home from top to bottom,” Sibeko said, adding that a few simple checks before heading off on holiday can help homeowners avoid costly surprises later.

“Fixing leaks, clearing gutters, trimming overhanging branches, and removing dead shrubs may seem small, but these tasks prevent serious damage, reduce fire risks, and keep your insurance valid,” she said.

The statistics back this up. In 2024, household contents insurance claims saw an 18% rise in rejections linked to poor maintenance.

According to the latest annual report of the National Financial Ombud Scheme, damage caused by natural events contributed to 40% of complaints submitted to the ombud in 2024.

Claims rejected for wear and tear increased by 7% compared to 2023. “So many homeowners are shocked to discover that neglecting upkeep can lead to claim denial under wear-and-tear exclusions,” Sibeko added.

The South African summer season brings heatwaves, storms, and empty houses, putting properties at risk.

Heavy rains expose existing leaks, blocked gutters, and weak drainage systems, often leading to water damage that goes unnoticed until it is too late.

At the same time, electrical systems can spark fires that can quickly burn and cause destruction. Not to mention, if someone’s house is empty, it could also attract thieves.

“Insurance covers the financial loss, but it doesn’t replace a homeowner’s responsibility to maintain their property,” Sibeko said.

“Assessors check for upkeep when reviewing claims. If your home isn’t in good condition, your claim could be denied, even if you thought you were covered.”

Holiday maintenance checklist

Sibeko explained that whether South Africans are planning to go away or stay home during the holiday season, there are a few practical precautions they can take.

Homeowners should clear debris from roofs and gutters, inspect for loose tiles or rusted sheeting, and repair any damage before storms arrive.

All electrical installations should be compliant and professionally maintained, and backup power systems should be tested to ensure that alarms and safety devices function properly during outages.

Plumbing should also be checked for leaks under sinks, around geysers, and in outdoor pipes, with the main water supply turned off before leaving to prevent flooding.

Gardens should be maintained by trimming trees and shrubs to reduce storm damage and improve visibility for neighbours or security patrols.

Security systems, including alarms, cameras, and electric fencing, should be regularly tested, with old batteries replaced, and professional inspections considered, as even minor lapses can impact insurance coverage.

To make homes appear occupied, Sibeko advised setting timers for lights, arranging for mail collection, and adjusting curtains.

Lastly, homeowners should plan for emergencies by keeping contact details for plumbers, electricians, locksmiths, and emergency services on hand.

They should also ensure their insurer offers safety mechanisms such as call centres and emergency response systems.

With more South Africans investing in property, Sibeko stressed that upkeep has never been more critical. “A roof that hasn’t been serviced or an alarm that isn’t working could result in a rejected claim,” she said.

Homeowners who conduct regular maintenance and update their insurance coverage can have peace of mind knowing that their property is protected.

“Safety isn’t complicated,” Sibeko adds. “Small, steady steps safeguard your home, your things, and the people you cherish the most.”

“A peaceful holiday begins with peace of mind, and nothing spreads festive joy like being prepared and returning home without worries, ready for the year ahead.”