The pitter patter of the rain does not remain enjoyable when it lashes out when you’re least prepared. You may or may not realize it but even a short gust of rain can sometimes cause serious damage within a matter of minutes and leave you stranded in knee-deep water! As we get ready to welcome the winter season, the bout of sudden, heavy rain does inconvenience us with water logging impacting our daily lives significantly.

Though the Government and the Ministry of Municipality and Environment are leaving no effort in bracing up for the rain with appropriate measures in terms of infrastructure, it will only be prudent to ask yourself if you are ready for the rain, wondering why? Here are the details...

Rainwater can wreak havoc and cause substantial damage to your home, your personal belongings and to your car. Given that most parking bays are located in the basement or in low lying areas you need to take extra care to safe guard your car and your financial interest. Even if you’re driving home navigating your way through water logged road, you want to make sure that you will be covered for any damage should something happen to your car. How? Take out a flood insurance add-on cover and be worry-free even when it’s raining…

For most of the residents who either live in rented homes or apartments it can be bit difficult to justify why home contents insurance is necessary, especially when you’re given to believe that “all” will be taken care of by your landlord should something happen to your home. As the myth slowly unfolds, (much to your disappointment) it may be too late to realize the value of home contents insurance cover in respect to the rain-related damage that you may have already incurred.

The bitter truth is that the landlord may be liable to pay only for the rain-related damage to the building and not for the damage caused to your personal belongings (such as damage caused to your furniture, clothes etc.).

If you are living in a villa chances are that you will have to spend from your pocket to get the collected rain water drained out. Given that you might face a situation similar to this, would it not be practical to get home contents insurance so that you are covered for your expense if you need to live in an alternate accommodation when your home is unlivable due to water logging?

As with home contents insurance, the amount of coverage is totally dependent on the paid premium. The good news is that the basic home contents insurance is affordable and starts at as low as QAR 360/year. Now the question is would you like to label yourself as “rain ready” or make peace with the regret of not being covered? The choice is yours!

QIC Insured is Qatar Living’s preferred insurance company.

QIC Insured offers Home Contents Insurance & optional motor policy insurance for Riot, Strike, Storm and Flood Extension at affordable rates. Visit qic-insured.com or call 800-0742 to know more.

Qatar Insured is licensed and regulated by the Qatar Central Bank 

What has flooded for you? Let us know in the comments below.

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