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The importance of insuring your green home

Your power stays on when the neighbourhood’s lights go out. Your showers are hot when those next door are not. You’ve invested wisely in turning your home green, so now the question remains: How do you insure your investment?

“Solar panels on private properties form part of the building, so their cover is subject to adequate building insurance cover,” says Marius Steyn: Underwriting Manager at Santam. “If you’re a tenant who installed a solar power generation system at your own cost it is covered by your Santam contents insurance.”

Hollard offers a similar type of insurance, where water heating systems and solar PV systems, inverters, batteries and fixed generators connected to the building’s wiring are part of general building insurance. Their optional benefit ‘Renewable energy equipment’ looks to cover your solar geyser, solar panels or wind turbines located outside or on the roof of the building.

“If you purchase a portable solar panel or inverter, then these are listed under contents,” advises Deanne Van Doesburg, Head: Product Development at Hollard Insure.

As with any infrastructure improvement, home modifications which help you live more sustainably, also need insurance cover. What happens when the panels on your solar geyser burst? Yes, the insurance payment, which was a grudge payment up to that point, now shows its value.

Besides complying with municipal regulations, green initiatives around the house should be discussed with your insurance company so that they have the option to re-underwrite if required and provide advice on the type of cover provided, notes Steyn. “Be familiar with the conditions of the insurance, as wear and tear damage is often excluded,” he advises.

A conventional geyser is often the most energy intensive appliance in the house, so replacing it with something like a solar water heating system is often seen as money well spent. However it is important that the whole installation must be done by a certified and accredited plumber and electrician, and the required certificates of compliance are issued.

It is also important to insure that the heating system met all the relevant SANS (South African National Standards) requirements and the geyser has the SABS mark of approval.

Contact the Green Building Council South Africa for more advice on how to turn your home green, and save: [email protected].

Individual Membership

Designed for professionals acting in their individual capacity, including single consultant-businesses.

Organisational Membership

Ideal for companies, government departments, and organisations.

  • Total Employees: 1 - 5 Employees - R 4080.00
  • Total Employees: 6 - 20 Employees - R 12570.00
  • Total Employees: 21 - 50 Employees - R 24690.00
  • Total Employees: 51 Plus Employees - R 43840.00

Lisa Reynolds

Chief Executive Officer & Executive Director

Lisa Reynolds is the CEO of the Green Building Council South Africa.

Lisa was the driver for the drafting of Energy Efficiency Standards and Regulations for Buildings and has been involved in Energy Efficiency since 2003. She serves on many committees in the SABS and within the energy management professionals’ space. She was President of the SAEEC from 2016 to 2019 and was the previous President of the ESCo (Energy Services Companies) Association. Lisa was instrumental in the formation of SAFEE (Southern African Females in Energy Efficiency) within SAEEC.

She has assisted the South African Government with its Green Building Framework policies, Energy Efficiency Tax Incentives and Energy Efficiency Strategies

Her passion for the “Green space” started with the birth of the Green Building Council in 2007. Lisa served on the Board and the Technical Committee of the GBCSA, as well as on several Technical Working Groups for Rating Tools and Criteria. Lisa. became CEO in June 2020.

Lisa has a BSc, an MBA and a CEM. Lisa’s awards include the 2007 ETA Award for Women, 2008 Individual Energy (SAEE), 2012 SABS Standards Writer Award; the 2014 Women in Energy (SAWIEN); and the 2016 Ian Lane Hall of Fame award.

Lisa is committed to growing the Green Economy within a Green Recovery.

Organisational categories

As an organisational member, you will fall into one of the below categories, and be charged according to specific size indicators. Please reach out to us for any further clarity on which category is best for your organisation

Property Developers

Annual Turnover

Investors, Owners, Property Managers

Total Asset Value

Major Corporate Tenants & Retail

Annual Gross Rentals

Building Contractors

Annual Turnover

Building Product Manufacturers & Distributors

Annual Turnover

Professional Services: Architects, Designers, Engineers, Quantity Surveyors, PM’s, Consultants, Legal

Number of employees

Research, Higher Education, NGO’S & Regulators

NGO or Research/Higher Education/ Regulators

Related Interests: Utilities, Financial, Insurance, etc.

Annual Turnover

Government

Local/ municipal/ provincial/ state 
Contact GBCSA to confirm your category