According to some meteorologists, Eunice will become the worst storm in thirty years, causing extensive damage to home and hearth. Can the disaster be recovered from the insurance company?
Although Limburg is the only province in the Netherlands, code yellow has been announced, the strong wind gusts will not pass unnoticed on Friday.
With a wind force 10 to 11 on the coast and further inland, Eunice races over us. Damage can cause lives and thousands of dollars in damage within minutes. Insurers take huge losses into account.
Not fully reimbursed
How concerned should you as a citizen be whether you will be paid the damage? Because not everyone is insured for home contents and building insurance, while the most common damage occurs to fences, roofs and cars. For example, according to calculations by price comparator Pricewise, it appears that costs due to weather damage to homes are not fully reimbursed in 1 in 3 reports.
Minimum wind force 7
If someone wants to claim storm damage, for many insurers it must be at least wind force 7 or even harder. Otherwise it is not considered storm damage.
Fallen trees, detached roof tiles, branches and other objects blown around can cause damage to houses and cars. Home insurance then comes into play for a house. Everything that is attached to the house, from roller shutters to solar panels, is then covered against damage. Such insurance is usually required by the mortgage lender.
lashing down
Conditions are attached to the payment of storm damage. Except for the required wind force of 7 or more, damage must not be caused by overdue maintenance or negligence. If you do not store or lash down your belongings safely in time, it can be difficult to cash in a claim.
Boom on the car
Of course not everyone has a garage to store the car safely? Does a branch stand out or does a traffic sign blow right into it? In that case, the owner can fall back on compensation if WA + limited hull coverage or all-risk insurance has been taken out. Claiming storm damage does not affect the claim-free years. However, the owner must tick off the deductible if there is one. Storm damage is not covered with minimal liability insurance.
Another tip: taking photos of the damage as evidence is always a good idea.