Storm damage
Storm Conall will reach the Netherlands on Wednesday, according to KNMI. There is a chance of (very) strong wind gusts in the west and north. Of course you try to prevent damage as much as possible by taking preventive measures, but unfortunately sometimes it does not work. Have you suffered storm damage?
What to do in case of storm damage
In case of storm damage, it is important that you contact your intermediary or insurance company as soon as possible. They can tell you exactly what you need to do and what you are entitled to. When you have clarity on what the damage is, and an indication of the cost to repair it, they can give you clarity the quickest.
If you have to make your own emergency arrangements to ensure that the damage does not get worse, then of course you agree, it is in everyone's best interest. It is also possible that the insurer will send an expert to assess the damage. It is also wise to take photos of the damage. You can use those later to support your claim.
Frequently asked questions about storm damage
Am I insured for storm damage by default?
A severe storm can do a lot of damage to such things as your home, belongings or car. Insurers speak of a storm when there is at least wind force 7. Fortunately, a lot of damage is compensated if you are insured for it. For example, storm damage to your car is insured, depending on the type of coverage you have taken out.
Damage to your home is covered by your home insurance and damage to your belongings can be recovered from your home insurance company. However, there is a separate deductible for storm damage. The amount of the deductible determines the part of the damage that is for your own account. Also, the coverage for storm damage can differ from one insurer to another. Your advisor can help you with that.
I have storm damage to my car
Storm damage to your car is insured if you have WA + Limited Casco or WA + Full Casco (All-risk) car insurance. If your car is WA insured, you are unfortunately not insured for storm damage. With this coverage you are only insured for damage you cause to others.
I have storm damage to my property
A big storm can also cause considerable damage to your home. Think of broken roof tiles, a blown down fence, damaged solar panels or serious water damage. Storm damage to your home is covered by your home insurance. However, there is a higher deductible for storm damage than for other damages.
The deductible often starts from €250, but can vary from one insurer to another. In case of damage caused by a storm, you pay your own deductible first. The rest of the damage is reimbursed by the insurer. When taking out your home insurance, you choose the amount of the deductible. In your policy you can find the amount of your deductible.
I have storm damage to my belongings
Loose items in your garden can easily be damaged during a storm. With contents insurance, these items are insured, such as a parasol, barbecue or lounge set. However, the coverage may vary from one insurer to another.
For example, one insurer will only reimburse if something was blown against your belongings from the outside, such as a fallen tree. Also, not all insurers compensate damage to the plants in your garden. The exact coverage can be found in the policy conditions of your insurer. Your advisor can help you with this.
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