secondo It has not been as bad as this year for a long time. Heavy rains and floods always cause damage, but the death toll is not high, the number is staggering. If you are lucky enough to stay intact, you sometimes still have to worry about your financial existence because: Many houses have been destroyed-not every homeowner is insured in this type of case.
Residential construction insurance covers house damage, family property insurance to replace the damaged furniture, and partial and comprehensive insurance to at least replace the damaged car to its replacement value. However, although damage caused by heavy rain and flooding is also included in the car insurance, this does not apply to the other two insurances.
This requires additional coverage of natural disasters. This also includes damage caused by earthquakes and avalanches. The number of insurance policies insured is increasing every year, but still only about half of the insured have purchased this additional protection for homeowners insurance, compared with less than one-third of home insurance.
This is risky. Avalanches and earthquakes do not occur at all or rarely occur in many places, and the risk of flooding on mountains and far away from rivers and streams is very low. But this heavy rain was underestimated by many people. It can happen anywhere, and-as you can see-it can also cause a lot of damage.
According to the assessment of the Insurance Association GDV, the number of heavy rains has increased since 2002, about 300 times a year.This German Meteorological Service Assume that this number will continue to rise. The losses from 2002 to 2017 totaled 6.7 billion euros. Heavy rains raged in the Ruhr region, Saxony and Thuringia, and parts of Bavaria, while much of Baden-Württemberg survived.
The cities at risk are Wuppertal, Freiburg, Chemnitz and Hagen. The most risky district 3 houses between 12.7% and 13.9%, compared to only 3% in Frankfurt and 3.3% in Munich. For each city, the risks can be checked on naturgefahren-check.de and hochwasser-check.de on the Internet. These numbers are from GDV.
Heavy rain can destroy existence
However, due to the low probability, no insurance is not recommended. Not every time it rains, statistics are complied with, an event can destroy a house and exist with it. After all, some families have invested all their savings in real estate; this is their retirement reserve. There is usually no reserve.
“With the increase in extreme weather conditions, insurance against natural disasters, especially as a supplement to residential construction insurance, makes sense. Of course, it is urgently recommended, especially in endangered areas. If necessary, you can use it. High deductibles,” Claudia Frenz of the German Consumer Association of Insureds suggested (BDV). “It’s very unlikely that you won’t get any insurance at all, and we haven’t realized it in certain circumstances.” For example, if the owner takes structural protection measures for the house, the supplier may also be willing to purchase insurance to fix the basement windows . For example, certain tariffs require the installation of backflow baffles in the basement. When the sewer system is full, it can prevent water from entering.
Saturday at 9 a.m.
Cost less than 100 euros
Additional basic protection costs-depending on age, living space and the cost of building the house-are less than 100 euros per year, and more in risky areas. If the premium is too high for you, you can increase the deductible. If you have not obtained a natural disaster contract anywhere, you should collect these denials as evidence of your efforts so that you may be reimbursed by the State Aid Fund for losses-if any. The Bavarian state government decided several years ago to provide state assistance only to homeowners who tried hard but failed to obtain insurance.
House insurance covers damage to the house, but it also covers cleaning or demolition costs, loss of rent, and temporary replacement of accommodation. If damage occurs, the owner will receive enough money to repair the damage and rebuild the house in case of total loss. Insurance is usually sliding new value insurance. For example, if a building must be demolished and rebuilt, the amount required to rebuild an equivalent building based on the current price level will be paid. The maximum amount of compensation is the insurance amount agreed with the insurer. Therefore, it is very important to accurately determine the value of the house when applying for insurance.
Windows must be closed
However, damage caused by storm surges, groundwater, rainwater and mud entering through improperly closed windows, exterior doors or other openings is not included. Therefore, the owners here share the responsibility in the event of a storm. Claudia Frenz of BdV recommends that you ensure that the insurance company pays compensation, even if the insurance incident was caused by gross negligence. In the Stiftung Warentest test, the Max tariff of GEV landowners and the Premium tariff of Rhineland are good residential construction insurance with basic protection.
In order for the insurance to pay, the owner is obliged to minimize the loss. So temporarily seal the damaged windows, bring household items upstairs, and take photos of everything. Only when the water level outside drops, should the flooded cellar be pumped. Otherwise cracks will appear on the masonry.
