After the flood of the century: Which insurance company pays for damage to the Schlei and the Baltic Sea?

After the flood of the century: Which insurance company pays for damage to the Schlei and the Baltic Sea?

After the storm surge on the Baltic Sea and the Schlei caused enormous damage, homeowners, tenants and businesses are faced with the question of who will pay for the resulting damage. Neither the federal government, the state nor the municipalities are liable for damage to private buildings. It is recommended to check the extent of your own precautions and to protect yourself with suitable insurance, as the state initially does not provide any help.

Normal household contents insurance and compulsory building insurance do not offer any protection against storm surge damage. As a rule, they insure building damage caused by fire, burglary, tap water, storms and hail. In order to protect yourself from damage caused by natural disasters such as storm surges, natural hazard insurance can be considered as a supplement to household contents or building insurance.

Natural hazard insurance, also known as natural hazard insurance, offers protection against flooding caused by heavy rain, but not against damage caused by rising groundwater. Homeowners and businesses can take out additional insurance against storm surge damage, although the conditions for this are carefully checked.

The storm and waves caused significant damage, particularly in the marina area. Special insurance companies such as Hamburger Yachtversicherung Schomacker offer yacht comprehensive insurance that offers protection against such damage. It is emphasized that rescue and disposal costs must be insured separately and that liability insurance does not apply in certain cases. Those affected should contact their insurance companies as soon as possible to submit claims.