With the rainy season upon us, it’s crucial to ensure that your home and property are protected against the potential hazards posed by electricity and thunderstorms. Not only can severe weather cause significant damage to your property, but it can also pose serious safety risks. Here’s a comprehensive guide to help you prepare and understand how insurance can be your safety net during these turbulent times.
Understanding the Risks
Thunderstorms bring with them a range of potential dangers including lightning strikes, power surges, and electrical fires. Here are the primary risks associated with electrical issues during thunderstorms:
Lightning Strikes: Lightning can directly strike your home, causing fires, structural damage, and power surges that can destroy electrical appliances.
Power Surges: Sudden spikes in electrical voltage can damage or destroy electronic devices and appliances.
Electrical Fires: Faulty wiring or overloaded circuits can ignite fires, especially when compounded by the increased electrical activity during storms.
Preparation and Safety Tips
Surge Protection: Install surge protectors for your major appliances and consider a whole-house surge protector for comprehensive protection.
Unplug Devices: Unplug non-essential electronics during a storm to prevent damage from power surges.
Inspect Wiring: Regularly check your home’s wiring for any faults or frayed connections. Replace any old or damaged wiring.
Install Grounding: Ensure your home’s electrical system is properly grounded to protect against lightning strikes.
Clear Debris: Remove any overhanging branches or debris near power lines to prevent them from falling and causing outages or fires.
How InsuranceKo Can Help
While taking preventative measures is essential, our Kalasag Microinsurance Plan provides a crucial safety net, an insurance against fires caused by lightning strikes. Here’s how Kalasag can protect you:
Property Insurance: Our Kalasag microinsurance plan covers losses or damages to the covered property caused by lightning strikes and electrical fires.
Accident Coverage: In case of an accident that results in death, disability or loss of limbs, this coverage offers a lump sum benefit to help you and your family in tough times.
Life Insurance Protection: Secure your loved ones’ future with our life benefit. This ensures that your family can maintain their standard of living even when you’re no longer around.
Claim Process Tips
Document Everything: Take photos and keep records of the damaged structure(s).
Prepare the required documents: Accomplish the Notice of Claim form and other documents required by the Insurer
Immediate Reporting: Report the damage to InsuranceKo as soon as possible.
