Black Sable Risk Intelligence Agency

29/10/2026

A R3 million house insurance value does not necessarily mean you have R3 million of protection.

If the actual rebuild value is R4 million, the property may only be insured for around 75% of the required amount.

And where an average clause applies, underinsurance can affect a partial claim - not only a total-loss fire.

The better question is not: “What is my house worth?”

It is: “What would it cost to rebuild my house today?”

28/10/2026

'n Huis kan op papier lyk asof dit voldoende verseker is, terwyl dit in werklikheid aansienlik onderverseker is.
Gee-J Wentzel van Black Sable Risk Intelligence Agency verduidelik waarom die herbouwaarde belangrik is, hoe onderversekering gedeeltelike eise kan beïnvloed, en waarna huiseienaars moet kyk.
🎧 Luister hier: https://radiolaeveld.co.za/onderversekering-herbou-van-huis-kan-meer-kos-as-wat-jy-dink/

28/10/2026

27/10/2026

Is your home insured for what it’s worth - or for what it would actually cost to rebuild?

They are not the same thing.

Tomorrow on Radio Laeveld at 10h30, Gee J Wentzel from Black Sable™ Risk looks at underinsurance, rebuild values and why a house that appears properly insured on paper can still leave you with a significant financial shortfall after a claim.

This week’s topic:

Onderversekering: waarom herbou meer kos as wat jy dink.

23/10/2026

blacksablerisk.com

21/10/2026

A crisis doesn’t wait for you to be ready.

Whether it's an unforeseen operational disruption, a security threat, or a strategic vulnerability, the best defense is a proactive, intelligence-driven plan. At Black Sable Risk, we help you anticipate, adapt, and navigate the unexpected - so you can stay steps ahead.

Don't just respond to a crisis. Outplan it.

Discover our risk intelligence and mitigation services:
blacksablerisk.com

07/10/2026

Kyk uit vir lekplekke aan jou plafon voor die skade vererger, maan Gee-J Wentzel van Black Sable Risk Intelligence Agency.
Hy gesels met Laeveld Brunch.
🎧 Luister hier: https://radiolaeveld.co.za/black-sable-risikobestuur-let-op-klein-waarskuwingstekens/

20/08/2026

GJ Wentzel van Black Sable Risk vertel vir Laeveld Brunch wat jou te doen staan as jy wonder of jy billik behandel word deur jou makelaar of versekeraar.

🎧 https://radiolaeveld.co.za/word-jy-billik-behandel-deur-jou-makelaar-of-versekeraar/
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19/08/2026

Are you being treated fairly by your broker and insurer? 🤔

Insurance is about far more than simply paying a premium and having a policy. It’s about understanding what you’re buying, what you’re covered for, what is excluded, and what you can reasonably expect when it’s time to claim.

This week on Radio Laeveld, we’re talking about TCF – Treating Customers Fairly and what fair treatment should look like throughout your insurance journey.

We’ll unpack what TCF means, the six TCF outcomes, how to know whether your policy actually suits your needs, what your broker should understand before providing advice, and what you can do when a claim or complaint becomes unnecessarily difficult.

Fair treatment starts long before you have a claim.

Take out your policy schedule. Look beyond the premium. Ask questions. Understand your cover. Know your risk.

📞 082 615 9278
✉️ [email protected]
🌐 blacksablerisk.com

Black Sable Risk™
Protecting your property, your people & your profits.
Trusted by Africa’s finest.