Take pictures within 5 days
What should the victims of Monday night’s violent storms in the southwest do immediately?
The first tip is to take pictures of the items that have been damaged. Then you have to protect what can be protected to avoid the damage getting worse. So whether it is your vehicle that has been hit or your home, you have five days to make your statement to your insurance company. If you have invoices for damaged goods, it is important to attach them.
If you also involve a craftsman before the expert is appointed to see the extent of the damage, remember to save the invoices and explain that it was to prevent the damage from spreading. The insurance company will take into account the elements already paid.
Do all home insurance policies cover damage related to natural disasters, such as hail, falling trees, branches or water damage?
The comprehensive house insurance includes coverage in the event of hail or flooding. You should know that multi-risk home insurance is only mandatory for co-owners or tenants. A homeowner has the legal right not to insure his home if he is in full ownership. It is clearly in the minority, and fortunately because the consequences of a disaster can be dramatic…
In the home insurance agreement, you can have different options: You can, for example, have temporary accommodation if you can no longer stay at home due to the damage. You can also have a guard to monitor the house etc.
And for the car?
As for the vehicle, things are less simple…
If your car is only insured for the legal minimum, that is, in civil liability, against third parties, you are not entitled to anything, because this insurance only covers the damage you cause to third parties. To be covered, you must either have all-risk insurance or, for example, the possibility of glass breakage or damage. At that time, you must make a statement to your insurance company.
Given the extent of the damage, the government is likely to recognize the state of natural disasters. What would that change?