An expert in the insurance industry has advised consumers to carefully consider their needs when purchasing insurance products. The comment comes as clean up operations continue in KwaZulu Natal where more than 10 people have died due to a severe storm. Scores more have had their homes destroyed. Hospital and schools have also not been spared by the bad weather conditions. Authorities are still assessing the extent of the damage. Stephen Kirker spoke to General Manager at Marara Risk Solutions George Sadiki.