Will insurance cover hurricane damage to Poly?

On Wednesday, July 5, 2023, over the Randstad - an urban agglomeration consisting of Amsterdam, Rotterdam, The Hague and Utrecht storm Poly. The force of the wind was such that several trees were uprooted and knocked down, damage was caused to buildings, cars and personal property of the residents of the affected areas. In what cases will insurance cover damage, what to look for when contacting insurers?

If you've been hit by a Poly summer storm, it's important to understand what to do before contacting your insurer and what you can expect.

What to do if you are damaged?

If your property is damaged, contact your insurance company immediately. No property maintenance required! It is worth waiting for the insurers and fixing the damage. In the case when it is impossible to save a picture of the incident, for example, fallen trees block the road, fix the circumstances with the help of photo and video shooting. Record the time of damage. 

Is it possible to count on compensation for damage to houses and buildings?

The building's insurance covers damage caused by the elements. There are chances to receive compensation for damage caused by falling trees and directly by the wind. Broken tiles, and sometimes the roof, destroyed solar panels, damaged walls and windows - all this can be compensated for by insurance if the circumstances of the damage are properly recorded. 

True, it is worth refreshing the terms of the insurance contract in your memory. Most of these contracts provide for an increased deductible in the event of damage resulting from natural disasters. Tenants need to contact the landlord's insurers, homeowners usually receive compensation through their homeowners association. 

Will they pay for damaged and stolen garden tools?

Damage from damage to garden tables, swings and other items is covered by property insurance contracts. If you have such an agreement, the chances of a refund are high. However, the terms of the contract usually provide that the owner must take precautions. In particular, everything in the garden must be securely fastened.

Can I get compensation for damaged vehicles?

If you only have a mandatory third party liability insurance contract, you will not be able to receive compensation for Poly hurricane damage to your vehicle. Such damages are covered only by Casco insurance contracts. If you have such an agreement, you will be reimbursed for the damage minus the deductible.

Company Nalog.nl reminds that damage can be caused not only by natural disasters. Mistakes made when registering and running a business can cause damage to an entrepreneur that exceeds that caused by Hurricane Poly. The head of our company, Svetlana Koshek, will soon hold a seminar on how to avoid such mistakes! Registration for the seminar is not open yet - stay tuned for our announcements!