Load shedding: how it impacts insurance claims, break-ins, crashes and appliances

Picture: Itumeleng English

Picture: Itumeleng English

Published Sep 20, 2022

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Durban – With the country experiencing rolling blackouts thanks to breakdowns and persistent shortages of generation capacity, more and more communities, homes and businesses are experiencing power surges.

In Durban suburbs of Glenwood and Umbilo, several areas were without electricity even after load shedding was complete. Ward 33 councillor Sakhile Mngadi said power had not returned in Umbilo on Tuesday morning. Some areas in Manor Gardens experienced frequent power outages between allocated load shedding hours.

Four days ago, it was reported that an Eastern Cape family lost their home following a power surge. The Dlisani family, of Dutywa Thaleni village, told News24 that a blaze erupted in their home just seconds after their electricity returned.

In July, TimesLive reported that homeowners sounded the alarm after a new fire threat emerged in the form of hazardous power surges.

Head of Dialdirect Insurance, Anneli Retief, said there had been an increase in power surge claims in the past four years.

“Our power surge claims have doubled. When it comes to accidents and burglaries, Dialdirect has compared the number of burglary incidents and the number of vehicle accidents when there is no load shedding to when there is, from July 2019 to May 2022, and found that during the week, load shedding resulted in a 3.2% increase in burglaries and a 5.2% increase in vehicle accidents,” she said.

Retief added that at the weekend, these figures more than doubled, increasing the risk of break-ins by 8% and that of vehicle accidents by 13.5%.

Dialdirect found that street lights and traffic lights being out at night because of load shedding had dangerous consequences.

Fidelity ADT head of communications and marketing, Charnel Hattingh, said homeowners needed to ensure they understood the impact load shedding could have on a security system.

“Sufficient battery back-ups and charging capacity can extend the uptime of alarm systems during load shedding. It is not ideal though for any battery to be faced with continuing bouts of power cuts – whether they are planned or unplanned,” she said.

Hattingh said UPS back-up systems were also useful, even if they were costly. They could play a part in keeping you and your property safe if they were connected properly and used in the way they were intended to be used.

Meanwhile, Retief said most insurance policies stipulated in their contracts that the house alarm must be activated at all times when the home is unoccupied.

“So, if your house is burgled during a power cut, then, theoretically, your theft-related cover would be moot. We believe that load shedding is beyond the control of our customers, and therefore, they should not be penalised for it. As such, each case will be considered based on its own merits,” she said.

Tips to stay safe during load shedding at home

  • Put the proposed load shedding times somewhere handy so that your family will have enough time to prepare for the outage.
  • Get a few high-wattage solar-powered lights for your garden, and a few LED lights for inside. Light is also a deterrent to would-be burglars.
  • Keep your cellphone charged, or invest in a portable phone charger, so that you can still call for help if you need to.
  • If you need to manually open and close your gates when you get home, try to have someone come and meet you at your entrance, or arrange for an escort from your security company.
  • Use padlocks, burglar bars and deadbolts to provide an extra level of home security that isn’t power-dependent.
  • Alarm systems, garage doors and electric gates generally rely on electricity so make sure that these items all have good back-up batteries.
  • Keep a torch or a solar, battery-powered light that is charged beforehand in multiple, easily accessible locations around your home. Be sure to also have plenty of spare batteries.
  • Make sure that all appliances – especially those that pose a fire risk if left unattended – are switched off when load shedding starts and gradually turned back on once power returns to minimise pressure on the grid. Load shedding increases the chance of power surges which often leads to damage of home appliances. While power surge insurance is available, it’s best to unplug appliances and devices that are at risk.

Tips to stay safe during load shedding on the road:

  • Plan carefully. Know when there will be outages in your area or areas you plan to travel through and to. Try to avoid the roads in areas experiencing load shedding as far as possible or wait out load shedding if you can.
  • Reduce speed as this will give you more time to react. Make time to check and double-check before you move.
  • When street lights are out, take extra care in making sure that you can both see and be seen, without hindering the vision of other drivers.
  • Treat intersections with inoperative traffic lights as four-way stops, and when in doubt, yield to oncoming traffic from the right.
  • Do not assume that all other drivers will stop, so exercise extreme caution and drive defensively. Also bear in mind that not all drivers know an area and its traffic lights well, increasing the risk of them driving straight through an intersection.
  • Avoid driving angry and beware of frustrated drivers. The frustration caused by load shedding often spills on to the streets, with dire consequences. Actively focus on keeping yourself calm, driving responsibly and keeping an eye out for irate drivers.
  • Leave your mobile phone alone. Drivers often spend more time on their mobile phones during load shedding to update others that they’re running late – a distraction that could have fatal consequences.
  • Beware of criminals, especially hijackers and smash-and-grab criminals, who want to use the cover of darkness to their advantage. Keep your car doors and windows locked and closed, be alert and fully aware of your surroundings and move along as swiftly and responsibly as you can.

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