Did your storm come down to your house and take the roof down to the square? Destroyed by a falling tree greenhouse? After disastrous natural disasters, you will appreciate quality property insurance. We'll show you how to document damage, when to start repairing and where to report damage.
Example from practice: There were flying unsecured objects, roofing, trees, pylons, billboards, and scaffolding on the houses. Unfortunately, the storm attributed four human lives to the account. Clients reported more than 2500 insured events just after the storm. As expected, the number of claims reported in the next few days will increase by more than a thousand cases. The insurance company will pay hundreds of millions of dollars to the people.
Windbreak is one of the natural elements with which it counts in the basic variant of real estate insurance. Other natural elements include fire, flood, flood or hail. Property damage is covered by damages to the building and to secondary buildings on the land (garages, farm buildings, fences, greenhouses, swimming pools, etc.). If a windstorm has taken off roofing, a falling tree broke the greenhouse, or if a broken branch broke the window, you can file a claim for damages at your insurance company. If you have a co-insurance insurance, count ahead for a small part of damage to be paid from your own pocket.
In the event of a storm, not only your personal property may be damaged, but property damage or damage to the health of others is also often caused. An example may be when the wind-floored roof covering falls off the roof and the ponies are parked right under the windows. It is worthwhile to think about these risks ahead of time and to secure property liability insurance together with property insurance.
In a critical situation, you may not immediately remember how to proceed properly in solving the insurance event. The most important thing is to maintain a calm head and follow the recommended procedure of a particular insurance company. The representatives of the insurance companies agree that, in the first place, the damage must be properly documented. Take a picture of damaged parts of the house or other buildings as soon as possible using a mobile phone, camera, or videocamera.
It is also important to prevent further damage. You do not have to wait until an insurance worker comes to the place of the event. For example, if the gale has taken the entire roof and the rain can cause further damage inside the property, cover the roof as soon as possible with the tarpaulin. These expenses will be part of the insurance benefit.
As soon as possible, contact the insurance company and report the insured event. Insurance companies are ready for these situations and offer help and advice. You can report the insurance event as quickly as possible by phone, e-mail, via an online form on the insurance website or using a mobile application. Find out which options your insurance company offers. Use the Insurer Form to report damages. Once the damage has been reported, the insurance company will inform you about the next steps.