When hailing the roof is perforated or the basement runs for heavy rain, only one thing helps: act quickly – and secure evidence. Because insurers need one thing in an emergency.
Why good photos are worth gold after the storm
After a storm, every minute counts – not only for first clean -up work, but also to keep damage. Insurance awaits a comprehensible documentation before paying money. According to FOCUS Online, pictures are the central evidence. It is best to record damaged objects and affected rooms from several perspectives. Who can also film, ideally with a recognizable time stamp. Insurers like the Generali advise you not to dispose of anything. Self -destroyed furniture or electrical devices should first be kept until the damage was officially recorded. This is the only way to clarify what really needs to be replaced afterwards.
Do not postpone the message
So that the regulation does not hook, the damage must be reported quickly. Depending on the provider, telephone hotlines, apps or online forms are available. Anyone who has their documents at hand, such as invoices or guarantees, has a clear advantage. This shows what a device cost and how old it was.
No reimbursement without an invoice?
Sometimes photos are not enough. Anyone who can prove how much a damaged washing machine or a television originally cost, increases the chances of fair reimbursement. The HUK-Coburg mentions purchase receipts, repair calculations or account statements as possible evidence. This helps the insurance to determine the so -called current value – i.e. the amount that the device was still worth at the time of the damage.
Not every damage is automatically insured
Many household or residential building insurance take over damage caused by storm or hail. But when water runs into the basement or a slope gets to slide, more is needed. Without a separate elementary damage insurance, you often stay at the expense.
Even after the storm applies: responsibility remains
If you simply wait for a storm, you risk problems. Because insured persons have the obligation to prevent further damage. For example, a broken window must be covered. The Austria Chamber of Labor points out that gross negligence can endanger the payment. Those who do nothing, although they could act, risk cutting cuts, or even empty.
Better prepared by clear structures
Storm cannot be prevented, but their consequences. If you have important documents at hand, document damage correctly and quickly communicate with the insurance company, is much better positioned. The increase in extreme weather events makes it clear how crucial the right insurance cover has become and how valuable a little order can be in an emergency.
Editor finance.net