Storms can cause significant damage to your home, from missing roof tiles to fallen trees. But does your home insurance cover this damage? Here’s what you need to know.
When does your home insurance cover storm damage?
A home insurance policy usually covers storm damage, but conditions apply. Most insurers define a storm as having wind speeds of at least seven on the Beaufort scale. Damage such as broken roof tiles, fallen fences, or leaks caused by storms is typically covered.
Deductible for storm damage
Storm damage often comes with a higher deductible, usually between two hundred twenty-five and five hundred euros, depending on your insurer. This means you will need to cover part of the costs yourself.
What is not covered?
Not all storm damage is reimbursed. Damage due to poor maintenance, such as an old, worn-out roof, is often excluded. Likewise, damage to outdoor items like garden furniture or trampolines is usually not covered by home insurance.
Tips to prevent storm damage
Regularly inspect your roof and gutters to prevent loose tiles or blockages.
Secure fences and trim trees to reduce the risk of them falling.
Store loose items safely like garden furniture and bicycles to minimize damage.
Reporting storm damage: what to do?
Take photos of the damage before cleaning up.
Contact your insurer as soon as possible to report the damage.
Prevent further damage by covering broken windows with plastic, for example.
Being prepared and knowing what your insurance covers can help you avoid financial surprises after a storm.
