After a fire in a block, the fire service uses water that becomes contaminated and soaks into the soil. The clean-up bill lands with the VvE (Dutch owners' association) and falls under no buildings policy at all.
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In brief
Environmental damage insurance pays the costs of investigation and clean-up after contamination of soil or water caused by a sudden, unforeseen event on the VvE's land.
At an apartment block two scenarios occur most often: firefighting water after a fire, and a leak from an oil tank or an installation. In both cases the VvE, as owner of the land, is responsible.
This information is general in nature and is not personal advice. What is actually covered, including exclusions and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover.
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