What Is Considered a Natural Disaster?
Natural disasters are large-scale events caused by natural forces beyond our control, such as floods, storms, fires, and earthquakes. These events can cause considerable damage to property and infrastructure, and loss of life. But, will insurance cover natural disasters or not? When it comes to your insurance policy, the term “Act of Nature” is often used with the key characteristic being that it is unpredictable and unpreventable. Let’s unpack your cover and “Acts of Nature” before a natural disaster strikes!
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Common Natural Disasters in South Africa
Floods
Flooding is a recurring issue, particularly in KwaZulu-Natal and the Eastern Cape. In 2022, Durban experienced catastrophic floods, resulting in over 400 fatalities and extensive damage to infrastructure and homes.
Storms
We’re no stranger to storms: hailstorms with hail the size of golf balls in Johannesburg and gale-force winds in Port Elizabeth. South Africa has experienced severe storms that have damaged homes, cars, and crops, leading to significant financial loss.
Fires
Remember the devastating Knysna fires in 2017? Wildfires are ruthless and can destroy vast areas of vegetation and property. Dry conditions and strong winds often fuel these fires.
Earthquakes
While not common, South Africa has experienced earthquakes, such as the 2014 Orkney earthquake, which measured 5.5 on the Richter scale. A few tremors have also been felt in other parts of the country, and while rare, they can cause structural damage and pose risks to communities.
Tornadoes
Tornadoes are rare but have occurred. Just this year, on February 18, 2025, Pretoria North was struck by a tornado that tore through buildings, uprooted trees, and caused severe damage to vehicles. Miraculously, no one was hurt.
What Disaster Is Often Not Covered by Insurance?
Not all insurance policies automatically cover “Acts of Nature”. Some natural disasters, such as floods or earthquakes, are often not covered under standard insurance policies. These typically require additional cover or specific policies. Always check your policy details to ensure you are protected.
Need help reviewing your current insurance policy? Contact us or log in to our 24/7 Manage Portal to get started.
What Affects Your Claim During a Natural Disaster?
Several factors can influence the success of your insurance claim after a natural disaster:
- Your policy details: Go through your policy wording to ensure it includes cover for the specific disaster.
- Maintenance and preventative measures: If you don’t take care of your property, damage that could have been avoided with regular property maintenance can lead to claim denials. Demonstrating that you've taken steps to mitigate risks can support your claim.
- Documentation: Provide detailed damage records, including photos and receipts.
- Prompt reporting: Report damages to your insurer as soon as possible.
How Do I Claim for a Natural Disaster?
If you're affected by a natural disaster:
- Ensure safety: First, ensure you and everyone around you are safe after the natural disaster.
- Contact your insurer: Reach out to your insurance provider to report the incident.
- Document the damage: As mentioned above, take photographs and list all damages.
- Submit your info: Provide all necessary documentation and information as requested to your insurer.
At dotsure.co.za, we aim to make the claims process as smooth as possible. You can manage your policy, submit claims and upload supporting data through our online Manage Portal.
Does Your Insurance Policy Have You Covered for Natural Disasters?
So, will insurance cover natural disasters? The short answer is “yes”. Insurance policies can cover natural disasters, but the type of cover and extent of that cover can vary.
The dotsure.co.za team is always here to help you understand your cover and make changes if needed. If you’re not covered yet, visit our website and stay protected.
