BUSINESS NEWS - As we head into summer, a time to celebrate and unwind, we must stay mindful of the potential risks that come with the warmer season.

While we’re all thinking about our holiday destinations, your clients included, many of us will leave our homes unattended for an extended period of time. 

Home maintenance isn’t just about keeping your clients’ property looking good, it’s also about protection. That means protecting their investment, and the family and loved ones who call it home, even while they’re away.

Statistics South Africa finds that housebreaking/burglary has consistently been the most common crime experienced by South African households, with December being the worst month. 

Additionally, there is a rise in extreme weather events and ageing infrastructure often results in damage that takes longer to repair.

With changing weather patterns, heavy rains can reveal cracks in roofs, overflow gutters, and even cause roof collapses, leaving your property vulnerable. In addition, summer holidays homes are often left empty for weeks, making them prime targets for opportunistic thieves. And even if theft isn’t a concern, faulty wiring or neglected appliances can still pose a fire risk.

Thankfully, many of these incidents are preventable with the right mix of maintenance and vigilance. Remember, insurance covers the financial loss, but it doesn’t replace the homeowner’s duty to keep the property in top shape. Maintenance is the owner’s responsibility, not the Insurers, and assessors verify this when reviewing claims.

The holiday maintenance checklist your clients can’t afford to skip

Before your clients head off on holiday, advise them to check the following before they lock up and leave:

1. Check the roof and gutters
Clear out gutters and downpipes to prevent blockages that cause water to back up under roof tiles. Inspect the roof for loose tiles or rusted sheeting and repair any damage before the rains arrive.

2. Secure electrical safety
With many families relying on generators, inverters, and solar systems, electrical overloads and fire hazards are common. Ensure the electrical installations are compliant and professionally maintained. Test the backup power to make sure that alarm and safety systems will still function during outages.

3. Inspect plumbing and water points
Leaks can cause costly structural damage, especially if they go unnoticed while your clients are away. Advise them to check under sinks, around geysers, and along outside pipes for moisture. Turning off the main water supply before travel can prevent major flooding incidents.

4. Trim and tidy the garden
Overgrown trees or branches can block drains and damage roofs during storms. A clean, well-kept garden also makes it easier for security patrols or neighbours to spot suspicious movement.

5. Review security systems
Test alarm systems, cameras, and electric fencing, and replace old batteries. Your clients can schedule a quick check-up with their security provider. It’s important to bear in mind that an alarm that isn’t properly armed or a flat battery during load shedding could invalidate an insurance claim.

6. Make the home look lived-in
Homes that appear empty are easy targets. Your clients can use timers for lights, ask neighbours to keep an eye out, and consider a house sitter if they will be away for a long period. Small actions like opening and closing curtains can create the impression that someone is home.

7. Protect valuables
Keep electronics, jewellery, and important documents out of sight. If possible, secure them in a lockable, bolted-down safe or with a trusted family member.

8. Plan for emergencies
Storm damage, burst pipes, or power surges can happen at anytime. Keep a list of reliable service providers like plumbers, electricians, and locksmiths on hand, and access emergency assistance via Insurers.

9. Schedule a quick check in 
Check in with your clients before they travel to make sure that their cover is up to date. Safety doesn’t have to be complicated. It’s about taking small, consistent actions that protect what matters most. When you help your clients prioritise maintenance and make smart safety choices, you’re helping them to avoid claims, and investing in their family’s safety.

Article: Funeka Ngewu, Executive Head of Claims and Procurement, Momentum Insure

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