Insurance: Who Pays for Storm Damage?


Frequently asked questions

Status: 02/17/2022 10:20 am

In the event of storm damage to the house or car, different types of insurance come into play and can take effect. What should stakeholders be on the lookout for?

By Frank Brautigam, ARD Legal Expert

When is a storm a storm?

As a general rule, the following applies to the relevant insurance companies: A “storm” is present from wind force eight, ie from 62 kilometers per hour. You can find out if this force was reached on site, for example, through the German Weather Service.

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Who is responsible for damage to the house?

For example, if the storm has covered the shingles or a tree has damaged the house, the homeowners insurance The right person to talk to. Storm damage is usually included in homeowners insurance, but you need to check the fine print again.

What if things in the house were destroyed?

A broken ceiling can also quickly lead to furniture damage. So he Home insurance The right person to talk to. Here too it makes sense to take a look at the fine print to see exactly what your own contract covers. One thing is clear: anyone who has simply left the window open cannot expect compensation.

Who pays for storm damage to the car?

If your own car was damaged by a tree, branches, or shingles, the partial all-risk insurance the right contact person who assumes the damage of the wind force eight. With comprehensive insurance, the customer has often agreed to a deductible. As a general rule, you only get a higher rating if you are at fault for the damage.

What about a flooded basement?

Important: Normal building insurance does not cover such water damage. For this you need a call natural hazard insurance finished.

Can I have to pay for storm damage to someone else?

That’s possible. If you haven’t properly secured and inspected your own roof or your own trees in your yard, you may be liable for the damage and then have to pay for it. The details of the guilt are then often highly controversial. In such cases, it is important liability insurance to have. A typical example is also the poorly secured flower pot on the tenant’s balcony, which falls and causes damage.

What should I keep in mind after the damage?

It is important to document the damage (take photos, make a list of damaged items, look for witnesses, etc.) and notify the insurance company as soon as possible. At the same time, you need to make sure that the damage is as low as possible. This is called “damage mitigation”. If there is damage to the roof, for example, you should try to cover it up as quickly as possible.

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