Storm damage in Berlin: Which insurance company is responsible?

Storm damage in Berlin: Which insurance company is responsible?

In Berlin, the storm may have caused damage that is covered by various insurance policies. According to the Association of Insured Persons (BdV), a storm is only spoken of when the wind reaches force 8. Storm damage to the house, such as a covered roof or a destroyed chimney, is usually part of homeowners insurance. This insurance also covers consequential damage to the building. Household contents insurance covers damage to furniture and other movable objects. In the event of fallen roof tiles or a tree falling on a car, partial comprehensive insurance comes into play.

It is important to report storm damage to the insurance company immediately, preferably in writing and by telephone via the insurer's claims department. It's a good idea to take photos of the damage and keep a detailed list of all damaged items. In order to enable the insurer to accurately assess the damage, damaged parts should remain unchanged for the time being. If the house is uninhabitable due to the damage and repairs are urgently required, the repaired damage must also be documented. All tradesman invoices should be carefully stored.

It is the responsibility of the insured to prevent further damage and to stabilize the situation. This may mean caulking broken windows or taking other temporary measures. However, it should be noted that no one should risk their life to repair the roof, for example, in extreme wind conditions. It is advisable to take safety measures during such situations and seek professional help if necessary.