Building insurance fire coverage: what's the deal?
Fire in your home is a terrible event. Of course, you hope it will never happen to you. However, in all cases it is important to be properly insured in case it does happen to you. If your entire home burns down, you will need quick replacement accommodation until your own home is restored. This involves a lot of expense. Building insurance with fire coverage is very useful in that context, among others. In this article from Alpina, you can read about the building insurance fire coverage and what you insure with this coverage.
Is building insurance with fire coverage for the home mandatory?
By law, it is not mandatory to have fire coverage with your building insurance, but you would be wise to take out this package. Buildings insurance covers damage that occurs to your home. All immovable property (property united with the land) is covered by this insurance.
Fire coverage is part of building insurance. Most insurers compensate not only the damage caused by the fire itself, but also the extinguishing and water damage that occurs after the fire is extinguished. Soot damage is also usually compensated by your insurer. You would be wise to check your insurer's policy conditions first to find out exactly what your insurer covers.
What value is your home insured for with homeowners insurance fire coverage?
If your home completely perishes from the fire, most insurers will reimburse you for the cost of rebuilding the home. This is called the rebuilding value. Insurers determine this value through the rebuilding value meter. It is wise to recalculate the reconstruction value every five years: insurers give a five-year guarantee on these values. If you have had an extension built in the meantime, the value of your home will change. This also changes the insured amount. In order not to be under- or overinsured, you should always determine this value.
How do I claim fire damage from the insurer with building insurance fire coverage?
If you have had a fire in your home, the first thing to do is to report it to your insurer as soon as possible. When you took out your building insurance, you were given a claim form, (or you can find one online) where you can report the damage. It is important to state all damages as accurately as possible when filling out the claim form. This will help you and the insurer in the process of determining how much damage was caused by the fire and extinguishment. You can also claim the expenses you incur because you cannot stay in your own home from your insurer.
What if the neighbor's fire has spread to your home?
In the case of a blazing fire, you can recover damages from your insurer. In this case, completing and sending an accurately described claim form is important. Should it be necessary afterwards; your insurer will recover the damage from the insurer of the neighbors at whose house the fire started.
Get your home insurance through Alpina: simple and affordable
Are you considering taking out building insurance with fire coverage? Then take it out now through Alpina! We have the right coverage for every situation, with appropriate premiums. Do you have any doubts or questions about our buildings insurance? Feel free to contact our customer service team. They are happy to answer all your questions.
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