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Which insurance pays for storm damage and flooding? Expert tips for the right insurance until Christmas.
According to a report from weatheronline.de, the risk of flooding in Germany will increase noticeably until Christmas due to strong winds and huge amounts of rain. Flooding and storm damage are to be expected, particularly on smaller rivers. These weather conditions could have a significant impact on various types of insurance. The storm and flooding can cause major damage to buildings. Homeowners insurance covers damage to window panes and covered roofs. However, it does not pay if it is your own fault, for example if water gets in through open doors. In the case of storm damage, insurance companies usually pay for wind force 8 or higher, which corresponds to a speed of more than 62 kilometers per hour. For damage...
Which insurance pays for storm damage and flooding? Expert tips for the right insurance until Christmas.
According to a report from weatheronline.de, the risk of flooding in Germany will increase noticeably until Christmas due to strong winds and huge amounts of rain. Flooding and storm damage are to be expected, particularly on smaller rivers. These weather conditions could have a significant impact on various types of insurance.
The storm and flooding can cause major damage to buildings. Homeowners insurance covers damage to window panes and covered roofs. However, it does not pay if it is your own fault, for example if water gets in through open doors. In the case of storm damage, insurance companies usually pay for wind force 8 or higher, which corresponds to a speed of more than 62 kilometers per hour. Household contents insurance is responsible for damage to home furnishings, such as broken windows.
Natural hazard insurance applies in the event of floods and backwaters, but must be taken out as an additional component to residential building or household contents insurance. In addition, it does not pay for damage caused by storm surges. Partially comprehensive insurance covers flood damage to parked cars, while fully comprehensive insurance also covers damage caused by weaker storms below wind force 8.
Overall, it is advisable to find out more about insurance cover in the event of storms and floods and, if necessary, to arrange additional modules in order to be prepared against the current weather anomalies.
As www.weatheronline.de reports, it is important to contact the insurance company quickly in the event of damage, as no insurance will cover subsequent consequential damage. It should also be noted that elementary insurance does not pay for damage caused by backflow if there was no functional backflow protection. However, these current weather conditions may impact the need for insurance coverage in the future as extreme weather events become more common.
Read the source article at www.celleheute.de