Flood Insurance

Flooding has long affected the classic flood zones in any area we live. Small streams and peaceful brooks become torrential flash floods. The water masses cause flooding of large proportions. More than half of the flooding damage is caused by this. Back filling threads can e.g. In severe precipitation when water enters the building from the drainage system. In addition, snow print and landslide as well as other natural hazards can threaten your belongings. Before that you can protect yourself with an elementary damage insurance.
How can I insure myself?Many insurers offer an elementary damage insurance as an addition to the building insurance, which, in addition to floods, also covers earthquakes, earth sinking, landslides, avalanches, snow pressure and volcanic eruption.

Check whether your residential property insurance covers the elementary damage insurance. This is especially true for old contracts. The insurable of buildings depends on, among other things, From the respective location of the buildingfrom. The buildings are divided into dangerous classes.
Contact your insurer for advice and advice. Possible state aid for elementary damage cases can only be provided for buildings if they are not or could not be insured.

Household insuranceWhat are elementary damages?Click here for full screen view
Damage caused by natural forces such as flood, rain, back pressure, snow pressure, earthquake, landslide and earth sinking are only covered by an elementary damage insurance. A normal household insurance does not pay in this case. Keep in mind that even a storm can lead to floods that endanger your belongings.

With a household contents insurance you secure the furniture and property in your apartment. Even if you believe that the value of your housing is rather small, a total damage, eg caused by a fire, can quickly become expensive. Household insurance replaces damage if the apartment is under water after a pipe break or a storm blows a window. In addition, it is responsible for the cost of household items being stolen or damaged during a burglary.
What kind of damage is covered by household insurance?Household insurance generally covers the financial damage:

• Fire, lightning and explosion• Intrusion theft• Conduct water damage• Storm and hail

Many insurers offer additional contractual elements - with or without surcharge - in addition to these standards. For example, they pay a certain amount, for example, in theft of garden furniture or when laundry is stolen from the line. In addition, extensions are also possible via so-called home and residential security letters. Here, for example, services can be insured, such as key emergency services or child care in an emergency.
Surge arrestersIf a protection against overvoltage damage is not already included in the household insurance, you should agree an appropriate supplement. A lightning strike can damage your technical equipment such as a computer and a stereo system, even if it is not in your house.
Residential water clean up and building insurance "What are really elementary damages?"
Damage caused by natural forces, such as flood, heavy rain, snow pressure, earthquake, landslide or earth sinking, are only covered by an elementary damage insurance. Residential building or household insurance in this case do not pay.
If you live in an area where floods, deep snow, earthquakes or landslides can occur, be sure to take out elementary damage insurance. Keep in mind that even a storm can lead to floods that endanger your belongings. The state does not support sufficiently insured homeowners only in exceptional cases.
With a residential building insurance you can completely protect the damage to your self-employed or rented house. Additional insurance such as garage or carport, garden or equipment house on your property, fences and garbage boxes are included in the insurance cover - insofar as these are listed in the contract. Similarly, fixed awnings and antennas are insured.
What water damages are covered by a residential building insurance?In case of the following damages you can go to your homeowner:• Fire, lightning, explosion, as well as fire and water soot• Water leakage, eg by bursting or leaking water pipes. The water supply and disposal, radiators and pipes, washing machines and dishwashers, air-conditioning and heat pumps are insured.