Avoid Geyser Claim Issues This Winter

A burst geyser is one of the most common – and costly – household insurance claims. Here’s how to avoid it.

From water damage to ruined ceilings, walls, carpets, and high-value personal belongings, the aftermath of a burst geyser can be extensive and expensive.

With the cooler months approaching, geysers are exposed to increased risk, as shown by the annual spike in geyser-related claims during winter. However, not all claims are straightforward. Certain avoidable issues can lead to delays, disputes, or even rejected claims.

Why is Winter a High-Risk Time?

During normal operation, hot water leaving the geyser is replaced by cold water entering the tank. This causes the geyser and its components to expand and contract.

In winter, the temperature difference between incoming cold water and outgoing hot water is greater than in summer, increasing the rate of expansion and contraction. Over time, this can lead to metal fatigue and possible failure.

Additionally, geysers must work harder to heat colder water during winter, placing extra strain on the system.

Key Pitfalls to Avoid

1. Non-compliant installations can void warranties

Not all geysers are installed correctly. If a geyser does not comply with South African plumbing regulations or manufacturer specifications, it can create serious problems when something goes wrong.

Common issues include:

·        Incorrect pressure valve installation

·        Missing drip trays or overflow pipes

·        Poorly fitted or incompatible components

·        Work carried out by unqualified installers

If a fault is linked to improper installation, the manufacturer may reject the warranty claim. In some cases, insurers may also limit or decline the claim.

2. Replacing a geyser too quickly can cause complications

When a geyser bursts, the natural reaction is to replace it immediately. While acting quickly is important to limit damage, removing and discarding the unit too soon can create problems.

This is because manufacturers often require an inspection to determine whether the failure is covered under warranty.

Secondly, disposing of the geyser too early removes critical evidence, and without inspection, warranty claims may be declined

This can result in delays, disputes, and unexpected out-of-pocket expenses.

3. Not following the correct claims process

In the urgency of dealing with water damage, homeowners may overlook important steps in the claims process. Failing to document the damage, use qualified professionals, or follow insurer requirements can complicate or delay claims.

Final thoughts

A burst geyser may happen suddenly, but the way you respond can make a significant difference.

Ensuring that installations are compliant, allowing proper inspection before replacement, and following the correct claims procedures can help protect both your warranty and your insurance cover.

To find out more about our insurance services or to ensure you have the right cover in place, kindly contact us on 017 824 1055 or email insure@twkagri.com and we will be happy to assist you.