Storm and hail
- Often a threshold at wind force 7
- A separate excess for storm
- Loose roof tiles and roof covering
- Solar panels sometimes arranged separately
Climate change and your claim
Extreme weather is becoming more common, but not every type of weather falls under your policy. Below you can read which climate-related damage is normally paid for and where the boundary lies.
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In brief
Insurers notice the consequences of more extreme weather in their claims burden: severe summer storms, hailstorms and short, heavy downpours produce many claims at once. That works through into premiums, into excesses and into the requirements insurers set for maintenance and prevention. For you as the insured, what matters most is which peril is and is not set out in the conditions.
Broadly: storm and hail are covered on an extended buildings and home contents policy, usually from a certain wind force and with a separate storm excess. Water damage from rain coming in through the roof or the facade is normally covered; water entering from below through groundwater or drains often is not. Flooding because a primary flood defence fails or overflows remains outside the ordinary cover.
At the other end of the weather spectrum is drought. Persistently low groundwater levels cause subsidence, pile rot and cracking. That damage is excluded on almost every policy, because it is not a sudden event. See also which non-life insurances there are.
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Looked at by type of weather
Three perils where the conditions vary widely.
Rainfall and water damage
The route by which the water gets in determines the cover.
- Through the roof or facade usually covered
- From below often excluded
- Sewage and groundwater assessed separately
- A blocked gutter counts as maintenance
Subsidence and foundations
Slow processes fall outside the concept of sudden damage.
- Subsidence not covered
- Pile rot and decay of timber not covered
- Cracking in walls not covered
- Repair is maintenance, not damage
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| Storm damage to the roof and facade | Yes | Yes |
| Hail damage to windows and roof windows | Yes | Yes |
| Rainwater coming in through the roof | Yes | Yes |
| Water rising through groundwater or the sewer | Provided that | Provided that |
| Flooding caused by the failure of a primary defence | No | No |
| Subsidence and pile rot through drought | No | No |
What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before taking out the policy.
What does your premium depend on?
- Postcode area: storm, hail and water risk
- Construction type and roof covering: brick, timber or thatch
- Year of construction and state of maintenance: older premises, higher risk
- Sums insured: rebuild value and contents value
- Excess: often a separate amount for storm
- Extensions: solar panels, glass, outbuildings
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, risk and wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
What this means for your claim
Two points that determine whether weather damage is paid for.
Maintenance is the first test with weather damage
With storm and water damage a loss adjuster looks first at the state of the property. Roof covering that needed replacing, a blocked gutter, a rotten window frame or loose tiles leads to refusal for deferred maintenance or wear. That is not a formality but a fixed exclusion. Photograph the maintenance you have carried out and keep invoices. That helps in the assessment of a later claim.
Report quickly and limit the damage
After extreme weather the same rule applies as always: report the claim as soon as is reasonably possible (Article 7:941 of the Dutch Civil Code) and take measures to prevent further damage. Do not wait with emergency repairs, but demolish nothing before the loss adjuster has looked at it. Beyond that, intent and recklessness excluded (Article 7:952 of the Dutch Civil Code), as do gradually acting damp, mould and construction faults.
Frequently asked questions
This is what people ask us most.
Is damage from a summer storm always covered?
Not automatically. Most policies apply a threshold, often wind force 7 or more, measured by the KNMI at the nearest measuring station. If the wind force measured is below that, there is formally no storm and a refusal follows. With storm damage there is also normally a separate excess that is higher than the ordinary excess.
Why is flooding excluded?
Because it is a risk that can occur over a large area at once, so that the loss can no longer be spread. The failure or overflowing of a primary flood defence therefore falls outside the ordinary buildings and contents cover. For damage from local water and the failure of some secondary defences, conditions do sometimes give cover; read that passage carefully.
Will the insurer pay for damage to my solar panels after hail?
Often yes, provided the panels are insured. With panels on the roof of your own home they usually fall under the buildings insurance, but not every insurer does that automatically and a separate limit or excess can apply. So always report new panels; installations that are not reported lead to argument about cover and the sum insured.
Will my premium rise because of the climate?
Weather damage is one of the factors insurers build into their rates, alongside higher repair costs and the annual indexation of the sum insured. We do not give percentages for that, because it differs from insurer to insurer and from postcode area to postcode area. You do see it in higher excesses for storm and in stricter requirements for maintenance and prevention.
Every situation is different. For these situations we have a separate page.
- Compare home contents insurance (inboedelverzekering)The main page
- Insuring flood risk as well: what is and is not possible?Water damage, primary flood defence, Wts
- Climate damage and home insurance in the NetherlandsStorm, water damage, drought
- What is the cheapest home contents insurance (inboedelverzekering)?Premium, excess, limits
- Is there such a thing as the best and cheapest home contents insurance (inboedelverzekering)?Contents value, form of cover, limits
- Compare buildings insurance (opstalverzekering)Rebuild value, guarantee against underinsurance, Article 7:960 of the Dutch Civil Code
Read more
Within Inboedelverzekering
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About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.