Rain, rain and more rain. This is what Sunday looked like throughout the Netherlands. There was so much rain in some places that basements were flooded. Fortunately, you have a home insurance policy. But is damage caused by precipitation actually covered?
Most policy conditions mean by precipitation: rain, hail, snow and melt water. This description is used for both the household and home insurance. Some insurers state that the precipitation must have unexpectedly entered the house due to overflow or leakage from roofs, gutters or drainpipes. There is no coverage if the precipitation has arrived in a different way.
Any repairs to your roof, gutters and drainpipes are considered maintenance costs and you will have to pay yourself.
All items in your house that are not damaged and nailed are covered by the household insurance. You can also opt for extensive, extra comprehensive or all-risk coverage. The latter two also reimburse damage as a result of precipitation that has entered your home via the ground floor or the public road.
For damage to your house you can go to your home insurance. This also includes pipes, central heating, plumbing, sheds and garden fencing. Only the extra comprehensive coverage and all-risk coverage compensate damage caused by precipitation that has entered your home via the ground floor.
After your insurance claim, your insurer often sends an expert. He examines whether there is an unforeseen circumstance and proper maintenance. In the meantime, you can clear up the damage, especially if you prevent further damage. Take photos, then you can show later how great the damage was. Please note: insurers do not compensate damage caused by overdue maintenance.
Looking for a new home insurance or home insurance. You can find the cheapest insurance quickly and easily via Lance Champion. Find the lowest premium.