Insure for flood damage

Step 1

Are you insured for flood damage? Check your home and contents insurance. How your insurer will compensate damage caused by flooding is stated in a 'precipitation clause'. This "precipitation clause" can be found on the policy document of your home and building insurance. So check carefully what your insurance policy states about flooding.

Step 2a

You are insured for flood damage. Check under which Requirements your insurance pays out after damage from flooding. Your insurance coverage is usually determined by the intensity of the shower, where it fell and the likelihood of flooding in your area. Other Requirements may also apply. Therefore, check exactly what is stated on your policy schedule. Is something not clear? Ask your insurer what you are and are not insured for.

Step 2b

You are not insured for flood damage. Find out which insurance you can turn to for flood damage. Get advice from an insurance advisor. Or find out for yourself from different insurers how they compensate for damage caused by flooding.

Protective measures against flooding

You can get insurance for flood damage. However, by the time your insurance comes in handy, you are already dealing with damage. You have already been confronted with loss of personal belongings or enormous cleaning and clearing tasks. We therefore advise you to first investigate which measures you can take yourself to prevent flooding.