Tips on natural hazard insurance: How to secure your home!

Tips on natural hazard insurance: How to secure your home!

After the recent storms, the importance of natural hazard insurance is becoming increasingly clear. This special insurance can only be taken out as an additional component to existing household contents or residential building insurance, such as MDR reported. Many homeowners are concerned about possible damage to their properties, especially after heavy storms and rainfall.

In order to settle a damage quickly, comprehensive documentation, including photos at the time of the damage, is essential. The documentation helps to quickly receive benefits from the insurer. It is advisable to report the damage promptly - ideally directly to the claims department. Communication should also be communicated in writing in order to understand the process. Notes about conversations with the insurer are also important to avoid misunderstandings.

Important precautions

In the event of damage, it is crucial not to change the damage pattern before this has been discussed with the insurer. In addition, insured parties have an obligation to mitigate damages. This means that if necessary, they should take steps to prevent further damage, such as sealing windows, but without putting themselves in danger.

Another central issue is protection against future natural events. The Federal Association of Consumer Organizations (vzbv) demands that new buildings and renovations also take measures against heavy rain and hot days into account. An information campaign is intended to motivate consumers to obtain comparison offers from insurers and to check their insurance against natural hazards. This goes hand in hand with the demand for structural preventative protection measures, which should be supported by taxation in order to ensure a higher level of safety.

Public responsibility

The public sector plays a crucial role in ensuring effective disaster protection. The national flood protection program is an example of the tasks that need to be taken on. Adjustments to building planning and building regulations are necessary to reduce the increasing risks. It is also noted that insurance against the risk of natural hazards should not be passed on to tenants' operating costs, as automatic inclusion would lead to higher rents.

Overall, it remains clear that a preventative approach and an informed public in both the insurance industry and construction are crucial to protecting against future storms and natural disasters.