Navigating Severe Weather Damage: A Quick Guide to Knowing Your Insurance Coverage
Hurricane Damages: Determining Insurance Coverage for Residential and Commercial Claims
Looking to decipher the insurance maze following a weather catastrophe? We've got you covered! Here's a breakdown of what insurance covers what damage in residential areas during severe weather events.
1. Storm-related mayhem: broken tiles, windows, or chimneys
Your building insurance is responsible for the repairs when a storm or fallen trees cause damage to your home, including consequential damages like damp walls or floors.
2. Leaking rainwater takes its toll on your furniture or belongings
If moisture infiltrates your home through broken windows or damaged tiles and harms your furniture, belongings, or clothing, then your household contents insurance steps in to cover the costs. Remember, you have the duty to mitigate damage, so move affected items to safety and seal damaged areas if possible.
3. Thunderous floods wreak havoc on your home and belongings
Requires an additional element damage module for either household contents or building insurance. However, insurance will only pay out if water enters due to overflowing waters, weather-related rain, or groundwater reaching the surface. Damage from water seeping in from below is usually hard to claim.
4. Vehicle weathers the storm - just not well
Flooding or flying debris damages your car? Fear not! Your partial or comprehensive car insurance has got you covered. Remember, though, those without Casco protection don't have insurance for these damages.
5. Flying debris endangers others or damages properties
If negligently secured items are carried away during a storm and cause destruction or injury to third parties, your private liability insurance will foot the bill. If you have taken sufficient precautions, the neighboring building insurance or the health insurance of the injured parties might come into play.
6. Injuries from falling debris are a pain (literally)
In this unfortunate event, your health insurance takes care of the medical expenses. Permanent injuries might fall under your private accident insurance – assuming you've purchased such a policy beforehand.
For additional coverage on real estate, apartments, and insurance assessments, consider sources like Stiftung Warentest, Finanztest, and more. Severe weather events only seem to be getting more intense, so it's essential to stay protected in this ever-changing climate.
[1] https://www.insure.com/car-insurance/comprehensive-coverage.html[2] https://www.bankrate.com/auto/car-insurance/comprehensive-coverage-faqs/[3] https://www.moneynoble.com/car-insurance/repair-costs/comprehensive-coverage/
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