Load shedding strikes and insurance claims inevitably spike. The power cuts we’ve all come to expect bring more than inconvenience – they create opportunities for loss and sometimes, exploitation. For insurers, this means a surge in activity that demands careful scrutiny.
When electricity drops, risks escalate quickly. Homes lose alarms and lighting, making break-ins more likely and leading to theft claims. Businesses face equipment damage or operational halts, triggering property or interruption claims. These are real issues tied directly to load shedding’s impact.
However, not every claim holds water. Some policyholders seize the moment, linking unrelated losses to outages – claiming a theft or failure that predates the blackout. This puts pressure on insurers to verify details rigorously. Was the security system disabled by the cut? Did the power loss genuinely cause the reported damage? Accuracy hinges on these answers.
Effective investigation is critical to manage this uptick. Police reports can confirm criminal activity, while outage schedules clarify timelines. Load shedding isn’t just a household headache – it’s a challenge for the insurance industry to maintain fairness and efficiency. By analysing evidence and cross-checking facts, insurers ensure legitimate claims are honoured while filtering out opportunists. In a time of frequent power cuts, precision in handling this claims surge is non-negotiable.
Contact Uphando Forensic & HR Services for expert support in tackling suspicious or disputed claims