Household contents, residential buildings etc.: Which insurance policies protect against storm and storm damage?

Household contents, residential buildings etc.: Which insurance policies protect against storm and storm damage?

According to a report by www.br.de, there is no severe weather insurance that covers all possible damage. Homeowners therefore need several policies to be well insured. Homeowners insurance pays for damage to the house caused by fallen trees or covered roofs. Most homeowners have what is known as “connected” homeowners insurance, which covers fire, mains water, storm and hail damage. Natural hazard insurance covers damage caused by floods, floods, landslides or earthquakes, although it can be difficult to obtain this insurance cover in vulnerable areas. Even after taking out natural hazard insurance, there is no guarantee that the damage will always be settled. Heavy rain is not considered an insured risk by natural hazard insurance, which makes it complicated to provide evidence for reporting the damage. Liability insurance can be relevant in the event of damage such as a fallen tree on the neighboring house. Home contents insurance covers damage to movable property such as furniture and clothing. All damage should be carefully documented to facilitate insurance settlement.

In terms of the market, increased demand for homeowners, natural hazards and liability insurance could impact the insurance industry. Insurance companies may charge higher premiums in vulnerable areas to cover the increased risk. In addition, the increased use of smartphones to document damage could result in an increase in claims and settlements.

For consumers, this means they must carefully consider whether their existing insurance policies provide sufficient protection and, if necessary, take out additional policies. It is important to protect yourself early, especially in areas with an increased risk of natural disasters.

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