Insurance for bad weather and storms – the first thing that comes to mind is the house and falling trees. But what about the garden and the terrace? Do insurance companies also pay for damage caused by windblown trampolines or lawn furniture that could injure someone? What about the uprooted plants? And if so, what insurance applies?
Since when do insurance companies pay for storm damage?
Basically, insurance companies only pay for storm damage of a wind force of 8. And the insured person must prove this! That is why the following applies: Get the information, for example, from weather offices. Or get articles from the local daily press on current weather conditions. If it is still in dispute whether there really was at least a wind force 8, you can also consult the German weather service (hotline: 01802 913 913) or have an expert report drawn up.
What types of insurance cover storm damage?
Homeowners insurance pays for damage to your home caused by fallen trees or blown-off roofs. Protects against damage caused by fire, tap water, storms and hail. If you want to protect the house against floods, avalanches, subsidence, landslides, etc., in addition to residential building insurance, you should also take out natural risk insurance.
Storm damage from uprooted trees
Liability insurance kicks in if a tree falls on your neighbor’s roof. Prerequisite: The owner of the tree can be accused of violating his duty of care, for example, because the tree should have been felled long ago. If the tree was healthy and checked regularly, the neighbor gets nothing. Then your home insurance kicks in.
But what if a tree falls from your own garden onto your own roof? This can be tricky from an insurance standpoint. For homeowners insurance to pay, the policyholder must check twice a year to see if the trees on their property are healthy and undamaged. “Property owners need to ensure that their property does not present any danger. This also includes checking and caring for the trees on the property accordingly. If this is not done and a stunted tree falls on the roof during a storm and damages it , it may be that the insurance of the residential building does not cover the damage. An expert will check this,” says Claudia Frenz of the Bund der Verversicherungten eV
Carefully document storm damage
It is important to document all storm damage in detail. Take dated photos and make an accurate list of all damaged items. In addition, the insurer must be informed immediately. In addition, the policyholder has a duty to mitigate damages. This means that broken windows and torn roofs, for example, need to be sealed to prevent further damage.
When do you pay for yard storm damage?
To prevent potential insured events from occurring in the first place, you are obligated to ensure that potential damage is prevented. Loose pots on the windowsill, unsecured patio furniture in the garden, bikes parked next to the Porsche: that’s neglect when the wind is strong. Safeguard or secure anything movable. Storms surprise no one these days. Weather forecasts or weather warning apps give you enough time to prepare your house and garden for a storm.
Storm damage caused by moving things
If you haven’t made sure everything that can be moved is locked up, then some neighbors may be happy that you blew them a new lawn chair during the “storm sprite.” But the whole thing can also turn dangerous if things hurt someone or something gets destroyed. What insurance pays then? “Basically, you are responsible for the damages you cause to other people. This also applies in case you do not properly secure objects on the balcony and they injure another person in a storm. One of the most important insurances you should have It is therefore private liability insurance. It pays for damage caused to someone else, but also prevents unjustified claims,” says Claudia Frenz of the Bund der Verversicherungten eV.
Storm damage to real property
What about damage to immovable things like garden sheds, carports, gardens and greenhouses, swimming pools, plants, gutters, etc.? “Anything that is firmly anchored to the ground in the garden, i.e. garden houses, garden lamps, carports or greenhouses, is usually also insured by home building insurance. It is worth taking a look at the fine print , because some parts of the property are only insured if they are expressly included in the insurance scope. Photovoltaic systems, for example, often have to be insured separately, “says Claudia Frenz of the Bund der Verversicherungten eV