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Load-shedding generator could blow your insurance

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Load shedding is going to remain a reality in South Africa for at least the next 18 months as Eskom conducts maintenance on its ageing power plants – but don’t go rushing off to buy your own alternative power supply without first checking how it’ll affect your home insurance.

That’s the warning from King Price’s partner of client experience, Wynand van Vuuren, who says it’s vital that alternative power supplies like generators are installed and certified by accredited electricians. If these devices are installed or used incorrectly, you might not be covered for any damages that may result.

“There’s been a huge upsurge in the number of people using portable generators to keep a few basic essentials going when the power goes off,” says Van Vuuren. “But what most people don’t know is that you’ve got to have them installed professionally by an electrician. You can’t just stick your generator in the garage with an extension cord running through the window.”

Here are Van Vuuren’s top tips for staying covered and charged safely during load shedding.

Do your homework

Know what your alternative power options are, and the pros and cons of each.

An inverter changes DC power from a battery into AC power that you can use to operate all kinds of devices. Obviously, it needs a battery pack to be useful. These batteries are either charged by solar or from the grid while the power is on.

A portable generator is a little generator on wheels that you see people buying in their dozens at Makro and Builders Warehouse over the weekend. They’re relatively cheap and easy to operate, but can’t keep big appliances running.

Stationary generators are usually slightly bigger units that are installed permanently, and switch on automatically when the power goes off. They’re more expensive, but have greater capacity.

Stay safe – and covered

Apart from keeping your lights on, the different power options all have one thing in common: they must comply with safety guidelines, and be installed by a professional.

“I know of guys who take their portable generators to a different mate’s house every weekend so they can watch the rugby during load shedding,” says Van Vuuren. “It’s not as smart an idea as you think: not only is the generator not covered, but any possible damage caused by the generator won’t be covered either, because it’s not properly installed.”

It’s also essential that portable generators are operated in open areas with good air flow, to prevent carbon monoxide build-up, and that fuel is stored safely in an area with adequate ventilation.

Keep your bases covered

If you’re using a generator or an inverter, make sure they power your electric fence, gate and alarm as well, as burglars are all too quick to exploit opportunities caused by power outages. If you don’t have an alternative power supply, make sure your fence, gate and alarm have a battery back-up that’s sufficient to see you through your darkest moments.

Oh, and make sure your generator’s insured as well, in case it’s stolen or struck by lightning. You would typically insure a portable generator under your home. A stationary (standby) generator becomes a fixed fitting once installed and must, therefore, be added to your buildings cover.

Beat the downs with UPS

Another major headache for South Africans is the power surge that can happen when the power is switched back on after load shedding, with big-ticket appliances like dishwashers, televisions, fridges, coffee machines and sound systems all at risk.

“We’ve seen claims for ‘fried’ computer equipment, appliances and even distribution boards caused by power surges,” says Van Vuuren. “This can be avoided by installing a UPS (uninterrupted power supply) – which doesn’t come cheap – but is advisable to at least protect costly items, like TVs and sound systems, and items with intrinsic value, like laptops.

“The other alternative is to manually disconnect your more sensitive appliances from the power supply and reconnect them after the electricity is switched back on.”

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