Speaking on Sunny 88.7 FM's Morning Drive with Jennifer Jessica Danquah (JJD), Amma expressed sympathy to the many families and businesses that suffered significant losses after Tuesday's heavy rains.
"I want to empathize with everybody who went through this tragedy yesterday," she said. "It was heartbreaking to see people's hard-earned properties submerged in floodwaters. We pray that no lives are lost."
Comprehensive Motor Insurance Covers Flood Damage
Amma explained that while many motorists associate comprehensive insurance with road accidents and collisions, the policy also covers flood damage in many cases.
She noted that vehicle owners whose cars were submerged during the floods should immediately document the damage by taking photographs of both the vehicle and the flood scene before contacting their insurance broker or insurance company.
Policyholders are also encouraged to obtain repair estimates from recognised garages to support their claims.
"This is exactly why comprehensive insurance exists," she explained. "Insurance companies are in business to pay legitimate claims, and where policyholders have the appropriate cover, they should not hesitate to begin the claims process."
What If Your Vehicle Was Swept Away?
Responding to concerns about vehicles that were completely swept away by floodwaters, Amma said insurance companies understand that every situation is different.
While photographic evidence is helpful, insurers will also rely on investigations, weather reports, eyewitness accounts and other supporting information to establish legitimate claims.
"Insurance is built on trust and evidence," she said. "If investigations confirm what happened, insurance companies will honour genuine claims."
Insurance Provides Peace of Mind
Amma reminded listeners that the true value of insurance is often only realised when disaster strikes.
"You never know the importance of insurance until something like this happens," she said. "If you think insurance is expensive, try living without it after suffering such a loss."
She cited transport operators, ride-hailing drivers and fleet owners as examples of business people whose livelihoods could be severely affected if uninsured vehicles are destroyed by floods.
"Even if it takes a few days for the claim to be processed, you know you have support to help you get back on your feet," she added.
Homes and Businesses Should Also Be Insured
Beyond motor insurance, Amma urged homeowners, landlords and business owners to consider property insurance, noting that flood damage is often covered under home insurance, fire insurance extensions and asset-all-risk policies.
She explained that many people wrongly assume property insurance is expensive when, in reality, premiums are relatively affordable.
Using an example, she said a property valued at GH₵1 million could typically be insured for around GH₵5,000 annually, providing protection against risks such as floods, fire and windstorms.
"It is a very small investment compared to the cost of replacing an entire home or business," she noted.
She also encouraged factory owners and warehouse operators to insure their assets, especially after videos showed warehouses and commercial premises inundated by floodwaters.
Even Tenants Can Protect Their Belongings
Amma pointed out that insurance is not only for property owners.
Tenants can also insure the contents of their homes, including furniture, televisions, electrical appliances and other personal belongings, even if the building itself is not insured by the landlord.
"The contents belong to you, so you have an insurable interest in them," she explained. "Content insurance is very affordable and worth considering."
Support Available for Flood Victims
Amma encouraged anyone affected by the floods—even those who did not arrange their insurance through Guard Risk Limited—to seek professional advice on how to process their claims.
"My team and I are willing to support anyone who needs guidance through the claims process," she said.
As Accra begins recovering from one of its most severe flooding incidents in recent years, the interview served as a timely reminder that insurance is not simply a legal requirement but an important financial safety net that can help individuals and businesses recover from unexpected disasters.