From forecast to fallout: Safety tips for unpredictable weather

South Africans are no strangers to unpredictable weather, but the extreme conditions currently being experienced across parts of the country are a stark reminder of how quickly nature can disrupt lives. From flooding and severe thunderstorms to intense heat, Momentum Insure, with their Safety for Sure campaign, is urging communities to take official weather warnings seriously and to act early to minimise risk and stay safe.

Here are 5 tips every South African should know and do when severe weather strikes.

Weather warnings are impact-based not just forecasts

Heavy rainfall, flash floods, damaging winds, hailstorms and heatwaves are no longer isolated events. These conditions are affecting multiple provinces simultaneously, increasing the risk of property damage, power disruptions and loss of life. These warnings are issued based on the potential impact on people, infrastructure and services, not just the likelihood of rain or wind. Higher-level warnings indicate a real threat to safety and property. One needs to ensure that they adjust plans immediately when warnings are issued and postpone travel, secure property and prepare for possible disruptions.

Flooding poses one of the greatest risks

Floodwater can be fast-moving, unpredictable, and much deeper than it appears, posing serious risks to people and property. In a short time, flooding can cause significant damage to homes, vehicles, roads, and essential services. To stay safe, never attempt to drive or walk through floodwater, move valuables and electrical items to higher ground, and plan ahead by identifying safer routes and evacuation options in advance.

Severe thunderstorms can cause sudden damage

Thunderstorms can bring lightning, strong winds, and hail, which may cause roof damage, fallen trees, and power outages. To reduce potential harm, park vehicles under cover when possible, secure any loose outdoor items, and unplug sensitive electronics during severe storms.

Preparation reduces losses and stress

Many weather-related insurance claims result from damage that could have been prevented through regular maintenance and proactive planning, such as clearing blocked drains, securing roofing, or addressing general wear and tear.

By taking practical steps like cleaning gutters and stormwater drains and ensuring that roofs, windows, and boundary walls are properly secured, you can significantly reduce the risk of damage to your car and home during severe weather. It is also important to communicate with your insurer to understand what cover and advice they can offer, review your policy to ensure it reflects your current needs, and gain guidance on preventative measures. Having this understanding in advance helps you take the right actions to protect your property and avoid unnecessary claims.

Early action protects both people and property

Delaying action during severe weather often leads to greater losses. Acting early can prevent minor damage from becoming a major claim. Respond immediately to warnings and don’t wait for conditions to worsen before taking precautions.