Insurance protection in the event of severe weather: What does which insurance company pay in the event of damage caused by heavy rain?

Insurance protection in the event of severe weather: What does which insurance company pay in the event of damage caused by heavy rain?

After severe storms in Bavaria: Flooding: What insurance pays – and what doesn’t

German insurance companies do not automatically pay out for heavy rain or hail damage. In addition to storm damage, residential building insurance also covers fire, mains water, storm and hail damage, but in the event of heavy rain and the resulting flooding it does not apply unless it is extended to include natural hazard insurance. Natural hazard insurance also pays for damage caused by flooding, backwater and snow pressure. Household contents insurance also only pays if elementary insurance is included. Partial insurance covers damage to cars caused by heavy rain, hail or flooding.

In addition to the information from the article, it should be noted that heavy rain events in Germany have increased in recent years. This could lead to increased demand for elementary insurance and thus increase the premiums for this type of insurance. In addition, insurance companies could adapt their offers and offer more flexible tariffs to adapt to the new weather conditions.

According to a report from www.focus.de, the article draws attention to the fact that both individuals and companies should check and ensure that their insurance policies provide adequate protection. The increasing claims caused by extreme weather events require policyholders to have comprehensive and appropriate insurance coverage in order to be covered in the event of damage from heavy rain, hail or floods.