Insurance for damage caused by flooding

Step 1

Are you insured for damage caused by flooding? Check your home contents and buildings insurance. How your insurer compensates for damage caused by flooding is stated in a 'precipitation clause'. You can find this 'precipitation clause' on the policy schedule of your home contents and buildings insurance. So check carefully what is stated on your insurance policy schedule about flooding.

Step 2a

You are insured for damage caused by flooding. Check the conditions under which your insurance will pay out after damage caused by flooding. Your insurance coverage is usually determined by the intensity of the storm, the location where the storm occurred, and the likelihood of flooding in your neighbourhood. Other conditions may also apply. Therefore, check exactly what is stated on your policy schedule. If anything is unclear, ask your insurer what you are and are not insured for.

Step 2b

You are not insured for damage caused by flooding. Find out which insurance policy covers damage caused by flooding. Seek advice from an insurance advisor. Or contact various insurers yourself to find out how they compensate for damage caused by flooding.

Protective measures against flooding

You can insure yourself against damage caused by flooding. However, by the time your insurance comes in handy, you are already dealing with damage. You are already faced with the loss of personal belongings or with enormous cleaning and tidying up work. We therefore advise you to first carefully investigate what measures you can take yourself to prevent flooding.