Storms approaching: Which insurance protects your home?

Storms approaching: Which insurance protects your home?

Storms can cause massive damage to homes and properties, and given the increasing frequency of such events, it is essential for insured parties to be well informed. The Association of Insured Persons has shown which insurance covers which damage and emphasizes the importance of acting quickly and informing the insurance company in a timely manner in the event of damage. Loud Radio chunks The approach to severe weather damage requires that the insured persons take specific measures to reduce the damage.

**Residential building insurance** is the central protection against damage to the building caused by storms or fallen trees. It covers, among other things, damage to bricks, windows and chimneys. Consequential damage, such as damp walls or floors caused by rain, is also usually insured. For significant damage, the insurance company is also dependent on compliance with the obligation to mitigate damage: the insured must take action, for example by sealing windows.

Household contents and natural hazard insurance

**Household contents insurance** supplements protection for personal items such as furniture, clothing and other furnishings that can be damaged by moisture penetration. The obligation to minimize damage also applies here, which means that valuable things must be kept safe. In the context of flooding, it is important to note that **natural hazard insurance** is necessary to cover the corresponding damage. Standard insurance policies do not include flood damage; This insurance comes into force in the event of damage caused by water penetrating above ground caused by weather conditions or other natural events.

In addition to flood damage, other severe weather damage such as storms, hail, lightning or even earthquakes are also listed among the insured events. Loud German damage assistance For example, a storm must reach a minimum wind force of 7 on the Beaufort scale to be insured.

Frequently asked questions and important considerations

Frequently asked questions also include insurance against hail damage to the car, which partial or fully comprehensive insurance covers, while motor vehicle liability does not cover this. Injuries caused by storms are covered by health insurance, although private accident insurance applies if permanent damage occurs.

Tax aspects should also be taken into account if storm damage occurs, as certain conditions may allow for tax consideration. If the insurance company does not recognize damage, it is advisable to consult external experts, such as an expert or lawyer, in order to make fair decisions.

Given the increasing number of severe weather events, insurance policies should be reviewed regularly to ensure adequate protection is in place. Severe weather events are often unpredictable and the expected costs can be significant. It is therefore advisable to be proactive about your own insurance and the corresponding coverage.