LOAD SHEDDING: 9 ways to protect your property
South Africa’s power utility Eskom, announced stage 3 load shedding due to high-generation unit breakdowns over the past three days. Rotational power cuts can cause damage to sensitive electronic items due to power surges, fires, and crime as a result of security systems not operating properly.
Marius Steyn, Personal Lines Underwriting Manager at Santam, says South Africans need to mitigate the damages caused by load shedding. “The reality is load shedding has an immense impact on consumers and businesses alike, who must cope with the damage to appliances brought on by power surges or risk loss through theft, burglary as a result of faulty security systems,” said Steyn.
Steyn cautions consumers and provides advice on mitigating risks that may be caused by power cuts:
Ensure that your alarm system is in a working condition and the back-up battery is fully functional to provide power to the system in the event of load shedding.
Spare torch or headlamp: Keep a torch in your car, if you arrive home at night during a power outage. Most smartphones also have a built-in torch or torch apps which come in handy during unexpected power outages.
Emergency contact information: Save emergency contact information on your phone but also keep a paper copy. This should include the emergency services such as the fire department, police and medical services. Also include contact information of friends and family along with insurance information.
Charge your cell phone, laptop and tablet: Ensure your cell phone, laptop and tablet devices are fully charged ahead of scheduled blackouts. Be sure to charge them again as soon as possible after the power returns. It is also a good idea to have an emergency phone charger (like a power bank) close by, this comes in handy during extended power outages. Staying connected to the internet is a great way to keep in touch with what's happening as well as for regular updates, remember to use devices sparingly during outages so that you don't drain the battery completely before the power returns.
Gas for cooking and lighting: Get a small LP gas bottle and lamp. It gives good quality lighting for a large area and can also be used for cooking and boiling water. It is a good idea to keep hot water in a thermal flask to make hot drinks, also consider preparing meals beforehand if you know when there's going to be a scheduled blackout.
Keep bottled water: Keeping emergency water stored is easy when frozen. The frozen bottled water will help keep food cold during a power outage.
Unplug your cables: Consider any electrical connection as live during a power outage as power can return at any time. Unplug any electronic devices or equipment or switch it off at the wall, including telephone cables. This is due to the surges in power that may occur when electricity is restored.
Make use of surge protection: Electric surges are one of the biggest causes of damage to equipment during a power outage. Installing a surge protection device can help minimise some damage in unforeseen situations. Have a surge protection device fitted to your electrical distribution board or alternatively at the power outlet to the electronic device.
Back up your data: It is always important to back up data. Make it a priority to save your data offsite, in case of a hard drive crash or unforeseen electrical fault. Online "cloud-based" backups are very convenient and are mostly automated, which means that you have one less thing to worry about.
“Santam remains ready to assist policyholders with any claims resulting from power cuts. The household policy provides limited cover for power surges that could be associated with power cuts with the option to increase the cover for power surge at an additional premium. For example, if the insured amount for power surge is increased the policyholder could have peace of mind that unforeseen power surge damage to appliances, due to the restoration of power after a power cut, would be covered,” says Steyn.
“To prevent unforeseen damage and losses, we urge households to revisit their insurance cover and obtain advice from their brokers to take into account different circumstances and risk situations which may arise as a result of power cuts,” Steyn concludes.