Does building insurance cover damage to my thatched roof due to fire?
A thatched roof on your home has a charming appearance, but it is also more susceptible to fire. Fortunately, property insurance with fire coverage covers damage to your thatched roof from fire. You can also take a number of measures yourself to reduce the risk of fire. On Alpina.nl , we tell you all about property insurance with fire coverage for your thatched roof.
What does buildings insurance with fire coverage cover?
Most insurers, in the case of a building insurance policy with fire coverage, not only reimburse the damage caused by fire, but also fire and water damage. In addition, soot damage is also usually compensated by the insurer. This also applies to damage to your thatched roof. Always check the policy conditions to see exactly what your insurer covers in case of fire, so you will not be unpleasantly surprised.
If the fire completely destroys your home, most insurers will reimburse the cost of rebuilding the home. This is called the rebuilding value. Insurers determine this value through the rebuilding value meter.
Fire prevention measures
You can also take a number of measures yourself to reduce the risk of fire and reduce the actual damage in the event of a fire. This applies not only to the thatched roof, but to your entire home. This is because most fires start inside the house itself. Therefore, you should take adequate measures for both inside and outside. You can think of the following measures:
- Make sure there is fire-resistant sheeting on the inside of your roof
- Install a lightning rod on the roof
- Place a smoke detector in every room or at least on every floor
- Check smoke detectors regularly to make sure they are still working and that the batteries are still good
- Clean the filters of electrical appliances regularly (e.g., washing machine and dryer)
- Have your central heating boiler checked annually
In addition, always make sure you have an approved fire extinguisher in your home. If you take proper preventive measures, this in turn can be beneficial to the amount of the insurance premium.
Take out property insurance with fire coverage for your thatched roof through Alpina
With us you have come to the right place for building insurance with fire coverage. So you know for sure that your home with a thatched roof is well insured in case of fire. On Alpina.nl you can calculate an indication of the premium. You can do this in our handy online comparer. This way you can be sure that you will not pay too much for your insurance. You can take out building insurance directly online or request a final quote first.
Of course, you can always consult with one of our insurance specialists. They can answer all your questions and advise you properly. So be sure to contact us! You can reach us by phone from Monday to Friday from 8 a.m. to 6 p.m. at 088 - 6883700. You can also send us a message via chat, WhatsApp or Messenger.
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