Marius Kemp, Head of Personal Underwriting at Santam

Tshwane residents have been urged to take precautions as the South African Weather Service (SAWS) this week issued a yellow level two alert for the capital, warning of possible flooding and dangerous driving conditions in the coming days. Meanwhile, Johannesburg experienced a night of severe thunderstorms, with over 14mm of rain recorded. Emergency services have cautioned that people living in low-lying areas face the highest risk, while poor visibility and slippery roads could make travel hazardous. Severe lightning may also lead to structural fires and power disruptions.

Marius Kemp, Head of Personal Underwriting at Santam, warns that these situations can escalate quickly, posing serious damage to people’s homes and belongings. “Flooding can happen rapidly, leaving little time to react. At the first sight of heavy rain, you should always try to divert runoff away from your house if possible. If you have time before the rains start, you could also try installing preventative measures such as a dry well.”

For those whose homes are already affected by flooding, knowing what to do in the aftermath can make a significant difference in minimising damage. Kemp advises against switching on electrical appliances or power sources that have been exposed to water until they have been checked by a professional. “One of the biggest risks after flooding is electrical hazards. If your home has been affected, do not attempt to turn anything back on until it has been assessed for safety.”

Once it is safe to do so, residents should carefully inspect their properties and document any damage with photographs, which will assist in insurance claims. “If you are a Santam insurance client and you've been affected by a flood, you can register your claim online, contact your broker, or our 24/7 SOS and claims line on 0860 505 911.”

While hindsight is 20/20, Kemp notes that taking preventative measures before severe weather hits can help reduce the risk of damage. “Keeping gutters and drains clear of debris ensures that water can flow away from homes instead of pooling around foundations. Regular roof inspections can also help identify leaks or weak points that might lead to further water damage.

“In addition, securing outdoor furniture and other loose items can prevent them from being swept away or causing damage in strong winds and flooding,” Kemp adds.

For those living in areas that are known for flooding, Kemp recommends packing an emergency box just in case. “Summer brings with it the possibility of torrential rain and flooding in large parts of South Africa. Be proactive by packing an emergency box and making sure you know what to do in the event of your house flooding.”

With the severe weather warning in place for Tshwane, Kemp says residents should remain vigilant, stay updated with official reports, and take all necessary precautions. “Severe weather can be unpredictable, but preparation is key to minimising its impact. By taking proactive steps before, during, and after a flood, residents can safeguard their homes and loved ones from unnecessary damage,” Kemp concludes.