Insurance for storm damage: Which one pays in the event of storms, heavy rain and thunderstorms?

Insurance for storm damage: Which one pays in the event of storms, heavy rain and thunderstorms?

According to a report from www.ndr.de, it shows that the consequences of storms can be expensive. The insurance that covers such damage depends on various factors. Tenants should take out household contents insurance, while house or apartment owners also need residential building insurance. Vehicle damage is covered by partial or fully comprehensive insurance. If the house or roof is damaged by storm, hail, fire, lightning or tap water, residential building insurance will apply. Water that penetrates from outside must be covered by separate natural hazard insurance. Natural hazards include floods, landslides, avalanches, snow pressure and earthquakes, which will become more important in the future with the increase in severe storms with heavy rain. Private liability insurance can also be responsible for storm damage, while partial and fully comprehensive insurance covers damage to the car. The conclusion of the contract and the coverage amounts should be checked carefully, as the required services should not be excluded in the small print.

It is important to carefully check and compare the insurance conditions before taking out the insurance to ensure that the services you need are actually insured and are not excluded in the small print. The coverage amounts for certain insured risks also play an important role when concluding a contract, as there are significant price differences between household contents and residential building policies. With the increase in severe storms with heavy rain, natural hazard insurance has become increasingly important as it covers floods, landslides, avalanches, snow pressure and earthquakes. However, insurers may reject the risk if it appears to be too high, for example if a house is located on a river that regularly overflows its banks. It is therefore crucial to carefully examine the contract conditions and select the right insurance for your individual needs.