Damage caused by climate change: Tips for insurance claims and proof of damage

Damage caused by climate change: Tips for insurance claims and proof of damage

According to a report by www.lz.de, climate change increases the risk of storms and heavy rain, which can cause significant damage. The NRW consumer advice center therefore provides helpful tips on what those affected should do in the event of storm damage.

In the event of damage caused by storms, those affected should contact their insurance company immediately to report the damage. It is important to carefully document all reports and damage in order to be able to enforce the claim with the insurance company. If there are no longer any insurance documents, it is advisable to request copies of all contracts or to request the contact details of the insurance company to request copies of the contracts.

Furthermore, those affected should prove the damage caused, mitigate the damage and create a comprehensive list of all destroyed items. It is also important to report the damage to the insurance company immediately and, if necessary, take action if the expert does not come. If natural hazard insurance is rejected, those affected should keep the letter from the insurance company in order to be able to claim state aid.

In the event of storm damage to the car, those affected can generally report the damage with comprehensive insurance, with the local public order office being the contact person.

With regard to contaminated drinking water, those affected should be aware of health risks and follow the advice of the health authorities in order to avoid hygiene problems.

These tips from the North Rhine-Westphalia Consumer Center show that those affected by storm damage have to take a few things into account in order to claim their damage from their insurance company and avoid health risks.