Insuring weather-related perils is very important, this is what the recent events have shown us. Climate experts say that extreme weather conditions will become more frequent in the future – and therefore extremely damaging situations as well. The beloved home can quickly be gone, while certain material objects are personally invaluable – for example, things of sentimental value. In order to avoid at least the economic damage, you should insure against weather-related perils as much as possible.
What is an elementary damage?
Elementary damage is damage caused to your vehicle, house and / or household contents by the effects of natural forces. This includes typical damage caused by flooding, backwater, earthquake, sinkhole, landslide, snow pressure, avalanches and volcanic eruption.
Insuring against elementary damage – how is the car covered?
Your car will be covered by the comprehensive insurance, as long as you have purchased it.
What should I look for in a elementary policy?
Attention: The insurance coverage of a elementary insurance is only to be agreed upon in combination with a building or household insurance. These insurances are only valid for permanently inhabited buildings, at this point detached garages, vacation homes or even summer houses are not automatically always covered. Furthermore, storm surge and earth-bound water, e.g. percolated water and groundwater, are not covered at all.
How do I secure myself correctly?
The important point here is to cover damage to the building and damage to or destruction of your household goods. It is therefore recommended, depending on your personal situation, to cover both buildings and contents as well as you need. Check your insurance policies – or ask a specialist. Please also note that commercial customers are subject to different requirements than private customers.
As experts, we are pleased to help and find the optimal protection for you to insure against elementary damage! Arrange a consultation with us in Hamburg Schnelsen today! Contact us!
