As autumn approaches, the risk of storm damage to your home increases. Timely precautions can avoid high costs.
Recognize and prevent storm risks
Autumn storms can cause significant damage to residential buildings. Loose roof tiles, tilted basement windows and blocked drains are typical weak points that can lead to problems in strong winds. Experts therefore recommend checking the house regularly for such sources of danger and securing it if necessary, according to property owner insurance VVaG. It is also advisable to remove garden furniture and other items that could pose a danger during a storm.
Check insurance coverage
Homeowners insurance covers damage caused by storms, hail, fire and tap water. The household contents insurance is responsible for damage to household contents, as it goes on to say. It is important to check your own insurance contracts and ensure that all relevant risks are covered. If you are unsure, you should contact the insurer in order to adjust the protection if necessary.
Immediate action in the event of damage
If storm damage occurs, you need to act quickly. In the event of water damage, the electricity should first be switched off to avoid danger, emphasizes dachbau.biz. The affected rooms must then be emptied and any remaining water and mud removed. Floor coverings and paneling should be removed to check whether water has penetrated. If this is the case, according to Hornbach, they should be dried as quickly as possible to prevent consequential damage such as mold formation.
Documentation and damage report
Careful documentation is crucial for claims settlement. All damage should be recorded photographically and reported to the insurance company immediately, as the editorial network Germany recommends. It is important to prove the direct connection between the storm event and the damage. Insurers often require proof of wind strength, for example through weather data or comparable damage to other buildings in the area.
Seek professional help
If there is extensive damage or uncertainty, professional help should be sought. Roofers and other specialist companies can assess the damage and carry out any necessary repairs professionally. Before starting work, however, you should contact your insurance company to clarify whether the costs will be covered, according to Haus & Grund.
Editorial team finanzen.net