Don’t wait for the first storm to find a gap in your cover

Going into autumn brings the calm before the storm, literally. While the weather is still clear, March offers the ideal window to make sure your most valuable assets are properly protected before winter sets in.

View The March Cover Checklist

With rising building costs and an increase in flash floods and storm damage, a policy that worked last year may no longer provide enough cover when you need to claim. It’s far easier to review your cover on a sunny afternoon than to realise you’re underinsured during a flood. Here’s what you need to check right away:

The rebuild reality: Construction costs have increased significantly. If your home were damaged today, would your sum insured still cover current labour and material costs, or would you face a costly shortfall?

The “new stuff” audit: Always ensure your policy is updated to reflect any newly acquired valuables at their current replacement value, such as recent tech purchases, appliances, and solar installations.

Storm-proofing your policy: Insurance is designed for sudden and unforeseen events – wear & tear and maintenance-related issues are not insured events. We’ll help you understand what’s covered and what maintenance you should address now, like blocked gutters or small roof leaks, to avoid claim issues later.

We Spot the Gaps

We don’t just renew policies. We adjust your cover to fit your current reality. At ProVérte, we make sure you avoid overpaying for coverage you don’t need, while closing the gaps that leave you exposed to costly payments later.

For peace of mind this winter, schedule a consultation today