Particuliere verzekeringen • Huis & gezin • Overstromingsrisico & Building insurance
Flood risk insurance – protection against water damage to your home
It flood risk in the Netherlands verandert door klimaatverandering, hevige regenval en een hogere waterstand. Tegelijk is Damage due to een grote overstroming niet altijd standaard verzekerd. Veel mensen denken dat alle waterschade automatisch onder de buildings and contents insurance falls, but in practice this is more nuanced.
Finass Verzekert helps you gain insight which flood risks apply to your home, wat uw huidige Insurance (nog) niet dekt en welke Insurers do provide (extensive) flood coverage offer. Here's how to choose one home insurance with appropriate flood cover and prevent unpleasant surprises.
Flood risk insurance in brief
Flood damage kan enorm zijn: verzadigde fundering, aangetaste muren en vloeren, kapotte installaties en beschadigde inboedel. Een deel van de water damage is al via uw buildings and contents insurance verzekerd (bijvoorbeeld tap water, leakage and precipitation), maar niet iedere flood is automatically covered.
What do we do?
- We bring your home, location and risk profile mapped out.
- We analyze the existing policy (buildings/contents) on flood cover and exclusions.
- We compare insurers with additional flood coverage and recommend a suitable solution.
- We take care of it one point of contact in case of questions or damage.
Insuring flood risk requires tailor-made solutions. Finass Verzekert helps you to: juiste dekking tegen een eerlijke Premium to find.
Why insure your flood risk?
Damage caused by water is often drastic
Water penetrates everywhere. In the event of a flood or extreme precipitation, damage occurs quickly structural damage: aantasting van Foundation, muren, vloeren, keuken, badkamer en installaties. Ook de Contents kan grotendeels verloren gaan. Zonder goede Insurance kunnen de kosten fors oplopen.
Not every flood is automatically insured
Standard home insurance usually covers tap water, leakage and precipitation, maar schade door bepaalde vormen van flood kan (deels) zijn ruled out. Consider:
- flooding by major rivers or sea;
- flooding in areas outside the dikes;
- water storage in designated areas.
It's important to know which flood risks your policy does and does not cover.
Developing market – opportunity for better coverage
The market for flood coverage ontwikkelt zich snel. Steeds meer verzekeraars bieden (extra) cover for local flooding and non-primary flood defences. Door op tijd over te stappen of uw pakket te optimaliseren, verbetert u uw bescherming zonder dat de Premium onnodig oploopt.
✔ Insight into flood risks around your home
✔ Clarity about water damage, flooding and exclusions
✔ Advice about building and contents insurance including flood coverage
What does flood risk insurance cover?
Flood risks are usually not as separate insurance offered, but if onderdeel van de opstal- en home contents insurance. The exact coverage varies per insurer. Below are the most common lines.
Standard home insurance coverage
- damage to the house itself (walls, floors, roof, foundation) due to, among other things, fire, storm and burglary;
- cover for tap water (burst pipe, broken aquariums, etc.);
- cover for precipitation (rain/snow/hail) that has entered unexpectedly;
- in many cases also limited coverage flooding by heavy rain.
Major flooding by the sea or major rivers is often excluded, unless your policy explicitly covers more.
Extensive flood coverage
Some insurers offer one expansion On:
- flood coverage non-primary flood defenses (such as regional dikes);
- coverage for local flooding due to heavy precipitation and impoundment;
- broader coverage in the event of flooding in the basement, cellar or ground floor;
- reimbursement of clean-up costs and remediation.
Finass Verzekert maps out which company offers the best flood cover in your situation.
Contents, temporary housing and additional costs
- home contents insurance: coverage for furniture, equipment, clothing and other household goods.
- Temporary housing: compensation if your home is temporarily uninhabitable.
- Additional costs: clearing mud, emergency facilities, storing household effects.
- Any deductibles per claim, depending on your choice and insurer.
What is often excluded?
- big flooding by the sea or large rivers (primary flood defences);
- damage areas outside the dikes or designated water storage areas;
- Damage due to long-term deferred maintenance or construction defects;
- damage that you cause consciously or through gross negligence.
Exclusions vary per insurer. We check the small print and explain them.
The building and contents are optimally coordinated
Just building insurance is not enough to cover everything water damage to cover. That's why we always look at:
- the combination of buildings and contents insurance;
- your type of living (single-family home, apartment, monument, dike house);
- the foundation situation (e.g. pile foundation, clay/peat);
- specific risks in your neighborhood or region.
Here's how you get one integral advice for your home, contents and flood risk.
What types of flood risks are there?
Not every flood is the same. The origin of the water bepaalt vaak of schade wel of niet verzekerd is en welke dekking daarBee hoort.
1. Flooding by sea or large rivers
These are floods due to the collapse or overflow of water primary flood defenses (big dijken langs zee en big rivieren). Dit soort scenario’s zijn often excluded in particuliere Insurancesvoorwaarden, tenzij er expliciete afspraken of nieuwe oplossingen zijn.
2. Flooding through regional waters
Think about regional dikes, canals, streams or smaller rivers. This often concerns non-primary flood defenses. Steeds meer verzekeraars bieden (beperkte of uitgebreide) cover for dit type overstroming, bijvoorbeeld als aanvullende module of in een allriskpakket.
3. Leakage and extreme precipitation
Damage due to heavy rainfall, flooding cellars, rainwater or sewage valt in veel polissen onder reguliere waterschade-dekking, mits aan voorwaarden is voldaan (bijvoorbeeld kortdurende, extreme neerslag). Hier spelen eigen risico’s en preventieve voorzieningen (zoals check valves) vaak een rol.
Finass Verzekert lists them for you which flood risks are most important at your address and which insurer suits you best.
Prevention and risk management of flood damage
What can you do yourself?
- Check the condition of the roof, gutters and rainwater drainage and keep them clean.
- Take care good gap sealing around doors, windows and basement windows.
- Post where possible check valves in the sewer to prevent sewage from spraying up.
- Put valuables in cellar or basement not directly on the floor, but on shelves or racks.
- Consider water retaining facilities at doors and entrances in risk areas.
Why prevention pays off
By reducing the chance of damage:
- reduces the risk of major failures and lengthy repairs;
- remains the damage limited if water does come in;
- you often improve your risk profile with insurers, which can be beneficial in the long term for premiums and conditions.
We are happy to think along with you practical preventive measures that suit your home and budget.
What determines the premium for home insurance with flood cover?
Features of your home
- type of property (terraced house, corner house, detached, apartment);
- year of construction, building material and contents / living space;
- height of the rebuilding value (how much does it cost to rebuild your house);
- presence of cellar, basement or split-level.
Location and flood risk
- location in relation to water (rivers, canals, streams, sea);
- area inside or outside the dike;
- height compared to NAP and local water management;
- regional flood risks and previous flooding in the area.
Coverage, deductible and claims history
- chosen coverage (from standard to comprehensive / all-risk);
- size of the extra flood coverage (what causes, maximum amounts);
- amount of the deductible per claim;
- any damage history with water or storm damage;
- package discount when combined with home contents and other insurance.
You will receive one based on your information non-binding premium indication tailored to your situation.
Want to know what your premium will be?
Question one no-obligation construction quote and indicate that you flood coverage want to take with you.
For whom is it important to insure flood risk?
Homeowners in a (slightly) risk area
Do you think your home is susceptible to flooding or flooding? For example because you:
- near rivers, canals, ponds or streams lives;
- in one low-lying area lives with poor drainage;
- previously had to deal with a flooded street or basement;
- has a new-build home in an area with changing water management.
Owners with cellar, basement or valuable contents
Extra important for:
- homes with inhabited cellar or basement;
- homes with lots technology in the basement (installations, servers, home automation);
- homeowners with high contents value on the ground floor;
- home offices or practice rooms on the ground floor.
Private individuals who are looking for security and peace
Good flood cover is suitable for anyone who:
- does not want to be faced with any surprises in extreme weather situations;
- want to know the difference between insurable and non-insurable risks;
- want help with it interpreting policy conditions;
- wants one point of contact for all home insurance policies.
What to do in case of flood damage or flooding?
Immediate actions in case of damage
- Take care first safety of yourself and your family (gas/electricity off, don't take any risks).
- Limit the damage: try to stop water from entering if it is safe to do so, and place items on a higher level.
- Make photos and videos of the damage, even before you start cleaning up.
- Take note time, duration and source of the water (rain, river, sewer, dike, etc.).
- Keep bills for emergency supplies and clean-up costs.
Finass Verzekert helps you with claim settlement
In case of flood damage or serious flooding:
- we report the damage to the correct insurer(s);
- we will help you with it distinguish between covered and non-covered part of the damage;
- we coordinate with experts and any damage repair companies;
- We will guide you until the file is completed.
One call to Finass Verzekert is enough – we will take the next steps with you.
Frequently asked questions about flood risk insurance
Is flood damage included as standard in my home insurance?
No, not always. Most home insurance policies cover water damage door bijvoorbeeld tap water, lekkage en hevige neerslag, maar flooding by the sea or large rivers zijn often excluded. Dekking voor local flooding and non-primary flood defences verschilt per verzekeraar. Daarom is It belangrijk om uw polis kritisch te laten beoordelen.
What is the difference between water damage and flood damage?
Bee water damage gaat het vaak om Damage due to leidingwater (gesprongen leiding, lekkage) of door regenwater dat via dak, raam of muur binnenkomt. Flood damage ontstaat wanneer een groot volume water het gebied instroomt, bijvoorbeeld door het bezwijken of overlopen van een waterkeRing, of door extreme waterstanden in rivieren, beken of sloten. Verzekeraars maken in hun voorwaarden onderscheid tussen deze oorzaken.
Can I insure myself against major flooding by the sea or major rivers?
Damage due to a major flood from primary flood defenses (grote dijken langs zee en grote rivieren) is in veel particuliere polissen beperkt of uitgesloten. Er zijn initiatieven en ontwikkelingen richting uitgebreidere dekking, maar deze zijn nog niet bij iedere verzekeraar volledig uitgewerkt. Finass Insures volgt deze ontwikkelingen en bekijkt welke maatschappij in uw situatie de beste dekking biedt.
Are my home contents also covered in case of flood damage?
The home contents insurance dekt schade aan uw losse spullen (meubels, apparatuur, kleding, etc.) binnen de woning. Of waterschade aan inboedel vergoed wordt bij een flood, hangt af van de cause of the flood en de voorwaarden van uw verzekeraar. In sommige gevallen is alleen de opstal verzekerd, in andere ook de Contents. Wij controleren dat graag voor u.
Does my zip code or location play a role in flood coverage?
Yes, insurers are looking at it risk profile of your home, waaronder de ligging ten opzichte van water, de hoogte ten opzichte van NAP en de historie van wateroverlast in de omgeving. In sommige gebieden wordt ruime flood coverage standaard geboden, in anderen gelden beperkingen of een hogere premie.
Can flood coverage only be arranged through additional insurance?
Not always. Some insurers include flood cover (partially). standaard opstal- of home contents insurance, in others as additional module or within a all-risk package. Finass Insures vergelijkt de mogelijkheden en adviseert of aanpassing van uw huidige polis, overstap naar een andere verzekeraar of een aanvullende dekking het meest logisch is.
Will temporary accommodation be reimbursed if my house is uninhabitable due to flooding?
Many home insurance policies reimburse the costs in the event of a covered event costs of temporary housing. Dit kan gelden voor brand, storm én in bepaalde gevallen voor Flood damage. Voorwaarde is wel dat de oorzaak van de schade onder de dekking valt. In uw polis staat hoeveel maanden en tot welk maximaal bedrag deze vergoeding loopt. Wij leggen dat graag voor u uit.
What do I need for a good premium calculation and advice?
For good advice about flood risk and building insurance is handig als u The volgenThe informatie paraat heeft:
- address and type of home (including year of construction and any renovations);
- indication of the rebuilding value (or appraisal if there is one);
- information about the location in relation to water and previous flooding;
- current building and contents policy (conditions and policy schedule);
- any specific concerns or points of interest (basement, basement, home work space).
With this information, Finass Verzekert can compare different insurers and make a suitable proposal.
Insure flood risk? Request a no-obligation construction quote
Do you want to be sure that your house and contents zo goed mogelijk zijn beschermd tegen Flood damage en ernstige wateroverlast? Finass Verzekert helpt u met een opstalverzekering met passende flood coverage, tailored to your home, location and wishes.
Request a quote for home insurance with flood cover
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl. Wij nemen uw situatie rustig door en adviseren welke oplossing voor Flood Risk Insurance suits you best.
