INAM (National Meteorological Services), through communication n.º. 5 / INAM-DAPT / 09/2020 of December 21st, alerted the population to the possibility of adverse weather conditions in the period from 28 December 2020 to 3 January 2021.
Arko Seguros joins INAM in appealing to the population to continue monitoring the weather information and warnings issued by the authorities.
Before a Cyclone approaches
It's usually too late to check your insurance cover, or buy a policy, once a cyclone is heading towards your property.
Residents can take practical steps to reduce the damage caused by a cyclone:
- Remove dead or rotting trees and trim branches that overhang the property;
- Secure all loose items outside your property including garden furniture, umbrellas, sheds and children’s cubby houses;
- Clear gutters, and checking that gutters and the roof of the property are secure;
- Install metal window or shutters to glass windows and doors;
- Check the condition of your roof and repair any damage or loose tiles;
- Secure any boats or vehicles and move your car under cover;
- Clear your property of loose material that could blow about and possibly cause injury or damage during extreme winds;
- Prepare a room-by-room inventory of the contents of your home;
- Have waterproof bags ready to protect clothing and important documents from storm damage;
- Unplug any electrical equipment well before the storm arrives;
- Decide on the best strategy for protecting your pets;
- Prepare a storm readiness kit, including a torch, radio, candles, matches, new batteries and any important documents or contact numbers;
- Listen to the Local Radio for storm updates or visit the Government Meteorology website (inam.gov.mz/index.php/pt or www.facebook.com/meteo.maputo/);
- Know where and how to turn off mains power, water, gas and solar power.
Recovering from a cyclone
The time immediately after a cyclone is often just as dangerous as the event. Don't go outside until authorities advise that the cyclone has passed and your region is safe. Don't be deceived by the apparent calm when the eye of the cyclone passes.
Be careful to take certain precautions after the cyclone has passed and keep these tips in mind:
- While conditions are severe, stay indoors and keep clear of windows;
- Stay away from storm-damaged areas and property until emergency services declare it is safe to return;
- Follow local media reports to get as much information as possible;
- Stay away from downed power lines, poles and wires, and fallen trees;
- Avoid entering floodwater on foot or in a vehicle. Floodwater can contain raw sewage and contaminants, conduct electricity and can mask hidden hazards. It can be deeper than you may suspect, and may be flowing rapidly;
- Check your home for damage. If you need help from state emergency services volunteers due to a storm or flood emergency call your local emergency services. If in a life-threatening emergency contact: INGC - 820000022/55 - 21477211/13 - LINHA VERDE: 823441);
- Avoid driving as roads may be blocked;
- Avoid turning the power on at your home if there is flooding. Have a professional conduct a thorough inspection first;
- If you are not insured, your recovery will depend upon your own resources and assistance that may be available from government or non-government agencies.
In case you have an insurance policy:
- Contact your insurer as soon as you are able to lodge a claim.
- As evidence to support your claim, take pictures of damage to property and possessions, and keep samples of materials from damaged goods. This will be used by your insurer to process your claim as quickly as possible;
- If your home is unsafe, notify your local authorities and check with your insurance company whether you can claim temporary housing expenses;
- You can remove and discard any water or mud-damaged goods that pose a health risk, such as saturated carpets and soft furnishings, but take photos and keep samples of materials and fabrics to show the assessor;
- Keep any items that could be repaired and if in doubt speak to your insurer
- Speak to your insurer before you attempt or authorize any building work, including emergency repairs, and ask for the insurer’s permission in writing. Unauthorized work may not be covered by your policy;
- Make a list of each item and include a detailed description, such as brand, model and serial number;
- Do not be concerned if you can’t find your insurance papers. Insurers have electronic records and need only your name and address.