Activa International Insurance Ghana has paid more than GH₵4.7 million in flood-related insurance claims following severe rains and widespread flooding in Accra and other parts of Ghana during the 2026 rainy season.

The figure covers claims paid up to 31 October 2026. It represents support for customers whose homes, businesses, equipment and other assets were damaged by the floods.

The heaviest impact was recorded during the rains in June, when flooding affected communities across the country. Businesses and property owners faced damage to buildings and commercial assets, while many companies were forced to interrupt their operations.

For some customers, the floods also put at risk investments built up over several years and threatened their ability to keep trading. Activa said the payments had helped affected customers deal with their losses, repair damaged property and begin rebuilding their businesses and livelihoods.

The insurer said the claims went beyond providing financial compensation, describing them as part of its responsibility to protect customers and help businesses maintain continuity during difficult periods. By settling the claims promptly, Activa said it had provided reassurance to policyholders and shown that customers could rely on the company during a crisis.

Flooding remains a recurring danger in parts of Ghana, particularly in low-lying areas of Accra, where heavy seasonal rain regularly overwhelms drains and waterways. The June 2026 floods were among the most disruptive of the year, affecting households and businesses across several regions and prompting renewed debate about drainage, urban planning and insurance cover.

Activa is urging individuals, property owners and businesses to take steps to safeguard their assets and livelihoods against future flooding. The company said preventive action was important, but appropriate insurance cover also offered a vital financial safety net that could help those affected recover more quickly and return to normal activities with greater confidence.

The insurer said it remained committed to providing dependable insurance solutions, responsive claims services and protection against unexpected challenges. The flood payments, it said, demonstrated the practical value of insurance when disaster strikes, turning a policy into tangible help for families and businesses trying to rebuild.

The figures also underline the scale of the losses Ghanaian households and businesses face each rainy season. While the GH₵4.7 million paid by one insurer covers only its own policyholders, the wider cost of flood damage across the country is far larger, with many affected families and traders having no insurance at all.