ARE YOU SURE YOU ARE COVERED AGAINST POWER SURGE AND DIPS?

ARE YOU SURE YOU ARE COVERED AGAINST POWER SURGE AND DIPS?

Most insurance policy holders make the mistake of assuming that they are automatically covered against losses caused by power surge and dips on their domestic and commercial policies. With Eskom having recently announced that there will be more load shedding due to a severe strain on the power system, it is not only the long cold hours in the darkness we are all worried about but also the risk of our appliances/homes/offices being damaged by power surges or dips when the electricity is restored. Power surges that blow your appliances usually occur when the power come backs on.

A power surge (spike) or dip (brownout) happens when the delivery of power to the national grid isn’t properly controlled by the transformers on the lines. The resulting uneven delivery causes too much power to enter your home, in the case of a spike, and too little in the case of a brownout.

It is not only load shedding that causes power surge. The most familiar source is lightning.  When lightning strikes near a power line, whether it’s underground, in a building or running along poles, the electrical energy can boost electrical pressure by millions of volts. This causes an extremely large power surge that will overpower almost any surge protector. In a lightning storm, you should never rely on your surge protector to save your electronics. The best protection is to unplug it.

It is not all insurance policies for your buildings and contents that cover power surge and dips. Though many insurers are starting to offer some form of cover (usually very limited), it is recommendable that you confirm with your broker what the limit of indemnity against losses caused by power surge and dips on your policy is.

How To Prevent Power Surges?

Preventing power surges in a home requires some foresight and preparation. Here are some steps you can take to keep your home and sensitive electronics safe:

  • Inspect your wiring. Faulty or substandard wiring can make power surge problems worse. Have an electrician inspect your home’s wiring for issues, especially if you have an older home.
  • Unplug electronics during a storm. Unplugging your sensitive electronics during an electrical storm prevents them from being affected by a power surge caused by a lightning strike.
  • Use surge protectors. Expensive and sensitive electronics, such as computers and televisions, should be plugged into power surge protectors to prevent damage caused by surges. Common types of surge protector devices include power strips and surge protector outlets. These devices block excess voltage from reaching your electronics in the event of a power surge.
  • Install a whole-home surge processor. A primary surge protector device is installed at the primary breaker box between your home’s electrical system and the grid. It acts the same way as a power strip or other surge protector device, but protects your home’s entire electrical system from surges.
  • Install high-efficiency AC units. Older air conditioning units draw more power than the high-efficiency units on the market today. This means they are more likely to cause a power surge in your home when it suddenly stops drawing power. A more-efficient model of AC unit will cut down on the risk of voltage spikes, and it also can save you money on your energy bills. 

For a quote please contact Ayoba Insurance Brokers on +27 11 395 1631 or email nick@ayobainsurance.co.za / natalie@ayobainsurance.co.za. Alternatively, you can follow the link https://ayobainsurance.co.za/detailed-quote/

The information and content contained herein do not constitute a recommendation or solicitation to purchase or sell any financial product or service or arrive at a financial decision, nor do the contents of this publication constitute any form of advice or guidance.

2 Comments

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