You can’t avoid natural disasters, but you can make it easier to pick up the pieces after a devastating storm.

While Gautengers in places like Midrand, Edenvale and Bedfordview suffered extensive damage from a storm that brought with it hailstones as big as golf balls at the weekend, large areas of the Eastern Cape were left mopping after roads were washed away and houses were flooded. When storms like these hit, the damage and disruption can be staggering.

Surveying your shattered windows in the rain is not a good time to remember that you haven’t insured your possessions against storm damage. The costs of repairing damage from hail and flooding can be huge – in a major storm, damage can be caused to everything from vehicle bodywork and windows, to solar panels and roof tiles.

You can’t avoid natural disasters, but you can take steps to prepare for the unexpected – like choosing your insurance carefully – to ensure that repairing and replacing your damaged property is made as simple and painless as possible.

Because storms can damage vehicles, homes, household contents and other property, it is important to check that your insurance covers all eventualities. This includes dents, smashed windows, roof damage, water damage to household contents, and appliances destroyed by lightning strikes and power surges.

Keep in mind that after a major storm, such as those during the past weekend, it is likely that glass suppliers and panel beaters are inundated with calls from others who have suffered similar damage. This can slow repairs and replacement somewhat.

Choose a reputable insurer who has been proven to deliver top service, process claims efficiently and deliver on its promises. Before agreeing to insurance cover check that your cover meets all your needs and that you’ll be able to call your insurer at all hours, through various channels, for assistance.

Considerations like their claims reputation, how long the average claims processing time is, how to log a claim and how claims will affect your no claim bonus, are all important when choosing an insurer.

Should your car or home be damaged when a violent storm hits, lodging a claim should be simple and easy, and your insurer should keep you informed of the status of the claim every step of the way. For those who don’t want updates from an agent, insurers such as MiWay offer self-service, online claims tracking.

The time it takes to finalise an insurance claim can be a frustrating experience.  Ask your insurer to explain what’s involved in processing your claim as a better understanding of the process could mean a more realistic expectation on the turnaround time.

About MiWay

MiWay offers a range of financial products and services direct to the consumer. MiWay’s offering includes short term motor and household insurance, motor warranties, credit life and direct life insurance. The company’s long-term plan is to extend this to offerings such as investments, personal loans and possibly credit cards.  MiWay will ultimately offer a complete array of services under one convenient umbrella, directly contracted with the client and all managed online.

For more information about MiWay, their offerings or to get an expert opinion on insurance related topics, please contact Carine Conradie-Haffejee directly. MiWay experts are available for interview on topics ranging from claims handling to insurance rates and premiums or general insurance insights.

René Otto, the CEO of MiWay, is a seasoned business personality and expert on most topics related to direct or broker-based insurance.

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