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Storm damage. Well protected through stormy times.

In the event of a storm, we like to retreat into the protection of our four walls and wait until the weather improves. After the storm, the damage is surveyed. We explain who pays in the event of storm damage and how you best go about making a claim.
What should I do in the event of a claim?
  • Take photos that clearly show the damage and make a list of the damaged items. Collect all documents showing the costs incurred.
  • Report the damage to your insurer immediately.
  • Only set about any large repairs after consulting with the insurer. A quote or initial cost estimate will help in making a decision.

Our preventive tips for you to follow

General actions

  • Have the roof checked by a roofer on a regular basis.
  • Have the solar system and satellite dish fixings and the stability of any canopies and porches examined.
  • Check blinds and shutters.
  • Cut back trees on a regular basis or have them felled if they pose a risk.
  • Check sewage systems on a regular basis and have them cleaned.

Well prepared ahead of the storm

A weather alert on your mobile phone warns that there are strong winds and a storm coming. To prevent damage and accidents, there are several safety precautions that you should take whenever a storm is announced. With this checklist, you can prepare your house and garden for the storm, even at the last minute.

  • Close windows and doors
  • Retract solar blinds and pull up window blinds
  • Secure or dismantle loose objects on the facade
  • Put vehicles in the garage
  • Seal window and door openings
  • Have a drainage pump ready for indoor flooding
  • Disconnect electrical devices from the power supply
  • Switch off electricity in the basement (danger of short circuits in the event of possible flooding)
  • Tie down loose objects, garden furniture or heavy plant pots
  • Stow away potted plants, toys and garden equipment as well as decorative elements
  • Tie up trees and bushes
  • Dismantle trampolines

Correct behavior during the storm

In the event of a storms, people can easily be injured by trees, falling roof tiles or flying objects. That's why it's important for us to protect not only our belongings but ourselfes during the storm. Keep in mind the following safety rules:

  • If possible, go into the house as soon as possible and do not leave it
  • If the house is surrounded by tall trees: avoid attics and window areas
  • Keep away from scaffoldings, tall trees and power poles
  • Keep away from parks, forests, lakes and rivers
  • Do not start clean-up until after the storm

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  • Stormy times

    06.05.2022 | Helvetia
    The wind can be incredibly strong, and people are often helplessly at its mercy. But you can prepare yourself for potential storm damage – which at least limits the financial loss.
sturmschaden.jpg

Stormy times

06.05.2022 | Helvetia
sturmschaden.jpg
The wind can be incredibly strong, and people are often helplessly at its mercy. But you can prepare yourself for potential storm damage – which at least limits the financial loss.

In the event of a storm, we like to retreat into the protection of our four walls, the plan being to wait it out in safety until the weather improves. Outside, meanwhile, roof tiles flying around in the wind and other loose objects pose a danger; depending on the strength of the wind, falling trees may also become a problem. Defined as winds at speeds of 75 km/h or above, storms are one of the natural forces covered by insurance. 

Well prepared ahead of the storm

A weather alert on your mobile phone warns that there are strong winds and a storm coming. To prevent damage and accidents, there are several safety precautions that you should take whenever a storm is announced:

  • Secure or pack away loose objects and garden furniture
  • Put away potted plants and toys
  • Close windows and doors
  • Retract solar blinds and pull up window blinds
  • Put vehicles in the garage

At regular intervals, roofs, building façades, windows and blinds should also be checked by experts in order to prevent them from becoming faulty. 

Household contents insurance

If damage nevertheless occurs, household contents insurance covers damage to household contents caused by natural forces. Household contents include all personal moveables as well as pets. Household contents are insured at the location given when the insurance is taken out and stated on the policy. The individual items may be in the house, in a garden shed on the same property or in the garage. 

Supplement for the building surroundings

The building surroundings (plants or swimming pools, for example) can be included in the household contents by adding supplementary cover. It is important to know that the contents of the garden shed are insured along with the household contents. The garden shed itself, however, needs to be included in the supplementary building surroundings insurance. If it is located on a different property, you will have to take out a separate insurance policy for it.

Damage to the building

If the building is damaged, the buildings insurance steps in. In the industry jargon, this is called «damage caused by natural forces». It also includes storm damage. Insurance against damage caused by natural forces covers the cost of the damage. It is important for the owners to have the building regularly appraised so that they do not find themselves under-insured.