insurance claims against eThekwini municipality for power outages

As a result of recent power outages in the Bluff, Woodlands and Montclair areas, many residents lost perishables that had been refrigerated and are now seeking compensation from the Municipality for their losses. Any person may lodge a claim against eThekwini Municipality for a loss or damage that he has allegedly suffered as a result of wrong doing on the part of the Municipality.

For any claim to be successful, a claimant has to prove negligence on the part of the Municipality which resulted in the loss or damage. In nearly all cases, the interruption in power supply is occasioned by factors beyond the control of the Municipality and is not as a result of negligence.

How Self-Insurance Reserve for eThekwini Municipality Works

EThekwini Municipality operates a self insurance scheme which is aligned with the best practices in the insurance industry. It covers the assets and liabilities of the Municipality subject to all the relevant laws of the country and Municipal policies, regulations as well as by-laws.

The Self insurance scheme was never intended to be a substitute to cover risk of loss/damage to any ratepayer's personal property. It is expected that ratepayers will procure their own personal insurance covers to protect their property and other assets.

Investigation Reports

Before any claim is settled, a full technical investigation report has to be completed in respect of the circumstances that led to the interruption of electricity supply. This report determines whether or not there has been negligence on the part of the Municipality. If the findings show there has been such negligence, subject to specific conditions, the Municipality will have to compensate those who suffered losses or damages.

burglars cook up a storm in victims' homes

Stanley Chetty, of Woodview, in Phoenix, came home at the weekend after a family getaway to the South Coast to find that burglars had fixed themselves meals, lounged in front of the television and even tried to use the Jacuzzi.

"When I approached my home nothing seemed amiss. And then I heard my wife scream," Chetty said.

The burglars left with electronic devices and jewellery but only after they had fried sausages and eggs, cooked chicken and drunk most of the alcohol in the house.

"The security company said it appeared that the robbers had been in the home for most of the weekend.

"There were chips packets and empty glasses in the lounge where the television used to be.

"The bathroom was flooded because the Jacuzzi was half-filled. I don't think they knew how it worked. And the kitchen was in an appalling state," he said.

Pinetown resident Erika Viljoen had to cut her holiday short when neighbours called to tell her about "guests" in her house.

"I really don't know how they knew we would be away. My neighbours called two days after we left to say that there was loud music streaming from our home. I contacted the security company and, when they got there, they found three burglars listening to music while going through our things," she said.

Viljoen described the state of her kitchen as disgraceful.

"I really don't know what they were trying to cook but there were dirty pots everywhere and the stench of burnt meat filled the air."

The burglars who broke into Tracy Lockyer's Waterfall home were cleaner - they even put their dirty dishes in the dishwasher.

"First they baked pies in the oven, then emptied out the fridge and freezer, and drank all the alcohol in the house.

"Though I was at work, they probably knew they had a lot of time on their hands because they had been very selective in what they were stealing. They threw all the kiddies' Playstation games on the floor but took the adult ones," she said.

Lockyer said she scrubbed the stove and had even considered throwing away the dishes used by the burglars.

"I just felt so invaded. I couldn't imagine them cooking in my kitchen," she said.

KwaZulu-Natal police spokesman Colonel Jay Naicker said burglars snacking on the job was not a new trend, but more burglars were preparing food in the homes they targeted.

"There have always been reports of burglars eating while stealing but now we find that they are looking out for homes where the families have gone away on holiday for the weekend. This gives them more time, so much so that some burglars are even preparing meals."

*Source: Times Live

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