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The insurance risk of climate change
Momentum Insure

5 MIN READ

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Climate change is changing the rules, but is your insurance keeping up?

The weather isn’t just unpredictable, it’s extreme, and it’s costing people more than just comfort.

From flash floods to freak hailstorms, climate change is reshaping risk in ways we never imagined. At Momentum Insure, we believe staying financially protected means adapting to this new reality.

Severe weather warnings aren’t just noise; they’re your first line of defence against costly, preventable damage.

Unpredictable weather and its impact

As South Africans, we’re naturally optimistic and adaptable. But when it comes to weather, optimism shouldn’t replace caution. Ignoring weather warnings, be it for flooding, hailstorms, gale-force winds or even sudden snowfall can lead to preventable losses and unnecessary insurance claims.

While severe weather warnings don’t typically impact your ability to claim, they are issued for a reason: to help keep you and your valuables safe. Taking those warnings seriously could be the difference between a close call and a costly claim.

Cars parked on a flooded street during heavy rainfall, surrounded by trees — illustrating the impact of extreme weather on vehicles.

How does climate change affect insurance risk?

Climate change is reshaping the way insurers assess and manage risk. As extreme weather events like floods, hailstorms, wildfires, and droughts become more frequent and severe, the likelihood of damage to homes, vehicles, and other assets increases significantly. This shifts the risk landscape, leading to more claims, higher repair costs, and the need for more proactive risk management.

For insurers like Momentum Insure, it means evolving our cover to account for these emerging threats, ensuring that clients are protected not just against traditional risks, but also against the growing impact of climate-related events.

Climate change is driving up risks and costs so we're evolving our cover to protect you against the rising threat of extreme weather.

Weather damage can cost more than you think

Extreme weather isn’t just inconvenient, it can be expensive. Recent years have shown us the impact of events like flash floods, droughts, and strong winds. The good news? You can reduce the risk. Investing in solar power or water backup systems helps build climate resilience. But remember, if you’re upgrading your home or business, make sure your insurance policy is updated too. That’s the only way to ensure new additions are properly covered.

Ensure you always review your policies regularly. Climate-related risks are changing, and your cover should keep pace. That means checking that your home, vehicle, and business insurance includes protection against weather-related damage and its knock-on effects. These include potholes, flood-damaged electronics, or lost productivity due to weather disruptions.

Upgrading your home or business for climate resilience is smart. Just don't forget to upgrade your insurance to match.

Stay weather smart. Financially secure your car and home

With unpredictable weather becoming our new normal, it’s more important than ever to ensure that your car and home are properly protected. Momentum Insure offers comprehensive vehicle and home insurance designed to cover you against the unexpected, from hailstorms and flash floods to wind damage and power surges.

You can’t change the weather, but you can change how ready you are for it. With the right cover in place, you can protect what matters most, even when nature is at its most unpredictable.

Close-up of a car covered with blankets during a hailstorm, showing heavy hailstones bouncing off the roof — a precaution to prevent weather damage with car insurance.
Whether you're parking under a stormy sky or reinforcing your home for the next season, our home insurance and car insurance solutions are built to give you peace of mind when nature takes a turn. Get a home and car insurance quote to make sure your are weather-ready.

Get advice

As extreme weather events become more frequent, your insurance needs may change too. From flash floods to wildfires, the risks to your home and belongings are evolving, and your cover should keep up. Speak to an adviser to make sure your policies offer the right protection for climate-related risks, so you’re not caught off guard when the unexpected happens.

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Business hours are Monday to Friday from 08:00 to 17:00. Closed on weekends and public holidays.




Business hours are Monday to Friday from 08:00 to 17:00. Saturdays from 08:00 to 13:00. Closed on Sundays and public holidays.



Available 24 hours a day, 7 days a week, 365 days a year.

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