Take photos, within 5 days
What should the victims of Monday night’s violent storms in the Southwest do immediately?
The first tip is to take pictures of the items that have been damaged. Then you have to protect it as much as possible to prevent the damage from escalating. Then, whether it’s your affected vehicle or your home, you have five days to file a return with your insurer. If you have invoices for damaged items, it is important to attach them.
Also, if you involve an artisan before the expert has been mandated to ascertain the extent of the damage, you should think carefully about keeping the bills, explaining that this was to prevent the damage from spreading. The insurer will take into account the items already paid.
Do all home insurance policies cover natural disaster damage, such as hail, falling trees, branches, or water damage?
The multi-risk home has coverage in the event of hail or flooding. It should be noted that multi-risk home insurance is not mandatory for co-owners or tenants. A landlord has the legal right not to insure his home if he is in full ownership. It is clearly a minority, and fortunately because the consequences of a disaster can be dramatic …
In the home insurance contract, you can have different options: for example, you can have temporary accommodation, if you can no longer stay at home because of the damage. You can also have security guards to monitor the home, etc.
And for the car?
As for the vehicle, things are less simple …
If your car is insured only to the legal minimum, ie civil liability, to a third party, you are not entitled to anything because this bare insurance guarantees that the damage you cause to third parties. To be covered, you need either all-risk insurance or, for example, a broken glass or damage option. At that point, you need to make a statement to your insurer.
Given the extent of the damage, the government is likely to recognize the state of the natural disaster. What would that change?