When the rains become deadly

Sep 08, 2017

Rainfall evokes different emotions in different people. To some, it sparks off elation that comes with the cool relief from the heat and dryness in the atmosphere. To farmers, it stirs up joy and an assurance of a bountiful harvest.  To many others, rainfall could evoke fear and panic due to past experiences from flooding and destruction caused by heavy rains.

The latter was the case in the early hours of August 14 when, after three days of torrential rainfall, Sierra Leone was struck with a catastrophic landslide that killed over 1,000 people, destroying homes and property. According to estimates by the Red Cross, 3,000 people have been left homeless by the disaster and the figures keep rising daily, leaving Sierra Leone with a humanitarian crisis.

Also, last week, reports of the huge devastation caused in Texas by Tropical Storm Harvey made the rounds across global media. The tropical storm dumped more than 3 feet of rain daily along the Texas Gulf Coast, resulting in windstorms and massive flooding that submerged homes, cars and displaced over 50,000 residents, leading to the tragic death of over a dozen people.

We can also recall the various incidents of destruction caused by heavy rainfall and flooding in various parts of the country earlier this year. Especially the massive flood experienced in different parts of Lagos in June and July, when homes and vehicles were submerged, causing destruction of property valued at several billions of Naira. Not left out of the brutal realities was the torrential rainfall in Suleja, Niger State where local communities were ravaged with flood that about 100 homes and killed at least a dozen people.

Generally, natural disasters like these are unexpected and even in well-developed climes where there are emergency rescue measures to inhibit casualties, the financial consequences of such destruction of property and the emotional trauma can be colossal. In Texas for example, although the extent of the destruction caused by Tropical Storm Harvey has still not been fully determined, insurance experts estimate that the financial damages could be up to $100billion.

However, as people bemoan these natural disasters all over the world, there is still the reality of the financial toll the destruction has on the affected victims. These tragedies can be even more shattering if there are no financial protection measures to provide financial compensation for lost properties and lives. This is why you need comprehensive insurance cover to protect you from the financial consequences of natural disasters that such deadly rainfalls could bequeath.

In these perilous times, Leadway Assurance remains committed to protecting you against financial losses that may arise as a result of damage to your property caused by flooding, with a one-premium, multiple-cover insurance plan known as the Leadway Household Automobile Personal Policy (L-HAPPy). L-HAPPY ensures that your household building, its contents and your automobiles are protected from the negative financial outcomes of flooding, along with other environmental disasters.

L-HAPPy also provides cover for personal accidents that may occur in your home, as well as the risk of fire, lighting, limited explosion, malicious damage, unrests and riots occurring and causing damages or destruction to your assets and valuables. L-HAPPy is a flexible insurance policy that also offers convenient premium payment – monthly, quarterly, semi-annually or annually, depending on your preference.

So, protect your assets today. SMS HAPPY to 22865 for more information on LHAPPY. You may also contact our team on (01) 2800 700, 2800 701 and 08129997070, to find out more about L-HAPPy and other insurance policies in our offering, or send an email to happy@leadway.com for inquiries on L-HAPPy.


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