Old Mutual Insure has compiled a detailed list of tips and advice to help both households and commercial customers take proactive steps to mitigate the risk of possible damage or loss as a result of power outages:
1. Unplug appliances and sensitive equipment: It is always a good idea to unplug appliances or any other sensitive equipment or electronic devices that may be vulnerable to power surges.
The list of items that could be affected include cell phones, laptops, desktop computers, servers and LCD screens, all of which could be badly damaged when the power comes back on due to a spike in electricity flow.
It is advisable that commercial clients install inverters to power critical equipment such as cash registers and point of sale equipment as well as UPS protection or surge protection on sensitive electronic equipment.
2. Beware your generator: It is critical that generators are never used inside a home or enclosed workplace area as the emissions can cause asphyxiation.
The heat from the generator or a faulty connection to your home’s power supply can also cause fire damage, which would not be covered as this would likely be deemed as negligence.
Ensure that generators are installed by qualified electricians and that they issue you with an electrical compliance certificate. Generators that switch on automatically can also pose an increased risk and must be carefully managed.
3. Test your alarm system: During load shedding, alarm power packs and batteries may wear out faster, resulting in reduced functionality.
This may also cause alarm systems to produce false alarm signals or even to malfunction altogether.
Many insurance policies require that you perform an annual or bi-annual alarm system check, which must be logged by your security company to ensure that it is in proper working order and that the battery is still functional.
Failure to do so could impact your claim. You should also ensure that all alarm peripherals have fresh batteries if a wireless alarm system is being used.
4. Install reserve power: To ensure that electric fencing and gates still work during load shedding, reserve batteries should be installed and maintained.
While reserve batteries generally last for six to eight hours when the power goes out, load shedding dramatically decreases a battery’s lifespan, so it is incredibly important that these are tested or replaced, especially if the policyholder is planning to go away or shut down over a holiday period.
Backup batteries are particularly important for commercial premises as their alarm systems typically require more power which necessitates the use of heavy-duty batteries.
Clients with stock that requires continuous cold storage should consider installing back-up generators with an automated system that informs them of a power outage so that mitigating steps can be taken.
5. Secure your premises: In the event that the power goes out, homeowners and commercial building owners are advised to ensure that their properties are locked up and adequately secured to reduce the risk of opportunistic theft.
Not only will this reduce the risk of the theft occurring, but it will also make the claims process a lot easier in the event that a theft or robbery occurs.
6. Be vigilant: Because the load shedding timetables are open to the public, criminals unfortunately may see blackouts as an opportune time to undertake illegal activities. As such, extra vigilance is required, particularly when arriving at or leaving one’s home or commercial premises during the evening.
Keep a torch in your car should you arrive home in the dark and need to open your perimeter security gate manually.
7. Light up your premises: Using solar power or battery-operated lighting to light up your premises can reduce the chance of opportunistic crime occurring. However, be sure to keep all such items fully charged.
8. Review your insurance policies: Policyholders need to review the wording in their policies to see what is covered in the event of loss or damage to the contents of a home or building during a blackout. Policyholders are advised to speak to their insurance brokers about any additional cover that may be needed.
9. Follow the load shedding schedule: Rather switch off sensitive equipment in a managed and planned way, particularly if you know that your area is likely to experience load shedding at a particular time.
Some equipment that uses heat in the manufacturing process (e.g. plastic extrusion) can be damaged if not switched off properly.
10. Be positive and hang in there: As Colman explains: “We have been through this before, so we know what the risks are and how to mitigate them. All we need to do now is buckle down and execute to mitigate the impact on our lives and businesses.”