As El Niño once again dominates public discussion, preparations for its possible effects are beginning in many households and communities.
For many people, the prospect of heavy rains brings memories of flooding, property damage, disrupted transport and interruptions to normal business activities. The contrasting risks associated with extreme weather make early preparation essential.
Most households understandably focus on immediate needs. People stock up on food and first-aid supplies, clear drainage channels, secure their homes and check backup power systems. These measures are important, but financial preparedness should also form part of the planning.
Heavy rainfall and flooding can cause significant damage to homes and personal property. Furniture, electronics, clothing and other household belongings can be damaged or destroyed within hours. Strong winds can also damage roofs, windows and other parts of a building.
Such losses can place a significant financial burden on families, particularly those without resources set aside for emergencies. Planning ahead, reviewing household finances and understanding available forms of financial protection can help families prepare for unexpected costs.
Weather-related disruptions can also affect businesses and livelihoods. Flooded roads may prevent employees and customers from reaching businesses, while damage to property or equipment can interrupt operations. For small businesses in particular, even a short disruption can have serious financial consequences.
Personal safety is another concern. Dangerous roads, falling objects, damaged structures and other hazards associated with severe weather can increase the risk of accidents and injuries. Families should therefore consider not only how they will protect their property, but also how they would cope financially if a serious accident occurs.
Travel plans can also be affected by severe weather, with flights delayed or cancelled and luggage or other arrangements disrupted. Travellers should check the terms of their bookings and any existing travel protection before setting out.
Insurance can be one of the tools available to individuals and businesses seeking to manage some of these risks. However, it is important to understand what a policy covers, its exclusions, limits and the circumstances under which a claim can be made.
Insurance will not prevent flooding, stop strong winds or eliminate the effects of extreme weather. Its role is to provide financial support where covered losses occur, helping affected households and businesses recover.
As communities prepare for El Niño, therefore, preparedness should go beyond clearing drains and stocking food. It should also include reviewing household finances, protecting important documents, understanding available financial protection and planning for unexpected expenses.
The weather may not always be within our control, but taking sensible steps before a crisis can make recovery less difficult when it comes.
(The author, Wilfred Mutuku is the Head of Distribution & Marketing at MUA Insurance Kenya).
