Today I am looking after some contractors who are repairing a cupboard at my daughter's house which had been damaged when her geyser burst some weeks ago. As with anyone in South Africa who has a mortgage with a bank or other financial institution, she has Homeowners Cover, an insurance policy that covers any structural damage, fire damage or damage from any water problems such as a burst water pipe. This insurance is to protect the financial institution, as the home is considered part of their assets while the mortgage is still in operation. Of course, it also protects the homeowner from the kind of damage that can often be very costly to repair or remedy. Damage to the cupboard that houses the geyser In this instance, as is often the case, the insurers are very quick to repair the immediate problem: the geyser was replaced within a matter of days. But often the "consequential damage", the secondary and less urgent result of the initial problem, seems to be taken far l...
Yesterday I was given a lift by a colleague who has two small children, one 5 year-old and one who is 2 years old. We have just started on a project to look at toddler safety in informal settlements, so this topic has been foremost in my mind. I was thinking, what if I invited my colleague to my home and she needed to bring her children? Would I be able to make my place safe for them, especially if their mom and I were engrossed in our conversation and not giving them full-time attention? While I was pretty conscientious about toddler-proofing our house when my children were small, I remember this as being quite an investment of time and money, and that it was an on-going project as they grew physically and mentally. The question today is what do I need to do to adapt a very adult-orientated environment. A general view of my living room My first step would be to decide how much of the house to secure - I am quite lucky in this regard as each of my rooms can be closed off - my dau...