Hweshuhunu Loss Adjusters

Hweshuhunu Loss Adjusters We provide Loss Adjusting Services Including Claims Consultancy

08/01/2026
Beware, Hail Season is here⛈️🌨️These are some of the things to protect your valuables
13/10/2022

Beware, Hail Season is here⛈️🌨️

These are some of the things to protect your valuables

Santam, South Africa’s largest general insurer, has cautioned Gauteng and KwaZulu-Natal residents to be careful and to exercise extreme vigilance in the wake of the severe weather conditions predicted for these regions over the summer.

Pro Tip💡
11/10/2022

Pro Tip💡

In the event that you are the victim of a smash and grab or if these items are stolen from a vehicle, the damage to t...

OSTI Case Study:Due Care & Precaution | DishonestyPlease be careful of excessive speed on our national roads, being on a...
28/07/2022

OSTI Case Study:

Due Care & Precaution | Dishonesty

Please be careful of excessive speed on our national roads, being on a mobile phone whilst driving and or not giving true and complete Information when submitting an Insurance claim because all Information is validated by Insurance Assessors and should your version change or if it was misleading then the claim could be repudiated

OSTI Case Study:This is the recent judgement from the Ombudsman of Short Term Insurance on Unpaid Premiums. The Insured ...
28/07/2022

OSTI Case Study:

This is the recent judgement from the Ombudsman of Short Term Insurance on Unpaid Premiums.

The Insured should however at all times make sure that their Insurance Premiums are paid & also check their bank statements too

20/12/2021

Interesting research with regards to patterns of house robberies

Dr. Rudolph Zinn from UNISA’s School of Criminal Justice conducted research into understanding and preventing house robbery in South Africa. Based on in-depth interviews with convicted robbers, this is what he found:
• 8 out of 10 residential robberies are committed with the help of information from maids, gardeners and former employees.
• Robbers will monitor the home for as long as two weeks.
• Most attacks occur between 19:00 and midnight as people are relaxed, sleeping, cooking or watching TV and the security systems and beams are not activated. Robberies can continue until 04:00.
• 97% of robbers are armed.
• On average, an armed robbery gang has four members.
• The average age of a house robber is 19 to 26 years of age.
• An average of 30% of all house robbers have either committed murder, or won’t hesitate to commit murder.
• Only 17% of house robbers are foreigners.
• Of all arrested robbers, 90% had no matric qualification or were unemployed. The 10% who had been employed gave up their jobs when confirming how much they could ‘earn’ from a robbery.
• Most victims or targets are affluent persons who openly display their wealth, for example wearing expensive jewellery.
• The average robber commits 103 robberies over 7 years before getting caught.
• Most attackers’ homes or ‘bases’ are a 10 to 30 minute drive from the target address.
• The conviction rate for house robberies in South Africa is only 7.67%. In the USA it is 53%.
These security measures are a major deterrent to crime:
• Electric fences
• Detection beams
• Closed Circuit Television (CCTV)
• Small dogs that sleep inside the house (robbers consider this to be the biggest deterrent of all.)
• In the words of Dr Rudolph Zinn from his book Home Invasion - “They scout a neighbourhood to see how tight the security is. A patrol or neighbourhood watch (CPF) factors in 68% on whether they go in or not, so having a good neighbourhood watch in the area can be a major deterrent.”
Before you leave your house…
• Make sure all shrubs and trees are trimmed back so that they do not allow a burglar to conceal himself while attempting to open a window or door. If possible, plant bushes with prickly thorns around these locations.
• Don’t stop your security awareness at the outside walls of your house. Your yard areas (if any) also deserve attention. In general, don’t leave anything around the yard that might help a burglar get into your house. Ladders, stackable boxes or any garden tools should be put away, preferably in a locked cabinet. Many burglars have used the property owner’s own tools to break into a home.
• Don’t place outdoor furniture tables nearby the house, as these could become an easy stepladder to the roof. Rather move them inside in the evening.
• Second-story windows are often left unsecured, making it easy for the criminal to get into the house. To discourage potential climbers, spread grease on any metal drainpipes if they are close to windows. Use Vaseline or clear automotive grease, depending on the colour of the pipe (or replace with plastic pipe).
• A barking dog, changing your daily routine and the presence of CCTV cameras could make your home a less attractive target to criminals.
• Make sure your post office box is always empty. A full post box makes it seem like you are never home.
• Since robbers can watch your movements for as long as two weeks, try to deviate from your usual routine regularly. Leave and return home at different times, use different routes and visit different shops to what you typically do.
• Take extreme care when hiring domestic workers and other service providers cannot be underestimated. Be careful who you let into your home.

Take note of this Information, I could save you some money in replacement of tyres & could also save your life too.Happy...
18/09/2021

Take note of this Information, I could save you some money in replacement of tyres & could also save your life too.

Happy driving and enjoy your weekend!!

I found an Interesting tweet that was shared on Facebook earlier today and I decided that it should be a basis of our le...
09/09/2021

I found an Interesting tweet that was shared on Facebook earlier today and I decided that it should be a basis of our lesson today because it’s a misleading tweet hence I decided to clarify it for those who might not necessarily have Short-Term Insurance know how.

Basically the tweet says that should your Insurance reject or repudiate your claim then they(Insurer) will refund the premiums paid.

This is misleading because the Insurer only refunds premiums generally when there has been “material misrepresentation” where the Insurer decides to void the policy.

Voiding of the policy occurs when the Insurer basically says to a client that there was no “contract” between themselves and a particular client because the client failed to disclose pertinent information(material information)that would have enabled the Insurer to assess or quote properly on a particular risk that the Insured wanted to Insure with a particular insurer.

Examples of material information that needs to be disclosed could be but not limited to the following:

*Previous losses that the Insured had in the last three years whether a claim was submitted or not

*Previous cancellations from another Insurer

*Who drives the vehicle most often in any monthly period (regular driver)

*Use of the vehicle (Private, Business, Professional, Commercial etc)

*Risk Address of where the vehicle is parked during the day or overnight (specifically on private use)

*Whether the vehicle has an “approved” tracking device or not & that it was in a working condition prior to a loss(specifically on theft or hijack claims)

These are some of the reasons that could be seen as material misrepresentation thus will make Insurer to refund premiums less costs however your Insurer will NOT refund premiums for some of the reasons below:

*Driving under the Influence of alcohol or drugs

*Dishonesty of Insured’s/Incident driver prior whereabouts or how the loss occurred

*Taking “Due Care & Precaution

I hope that this information helps someone

13/08/2021

Address

32 Stanley Road
Nigel
1496

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