The property or your belongings · both · the cause separately

Water damage: is that contents or buildings?

Water damage usually affects both: the property and what is inside it. That normally means two claims.

Deze pagina in het Nederlands: Waterschade: valt dat onder inboedel of opstal?.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

Work out for yourself what it would cost.

We compare the offerings of several insurers
An adviser checks whether the cover suits your situation
We arrange the switch, including cancellation

Request a quote

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

What falls under the buildings cover

Damage to the building: soaked walls and ceilings, a damaged ceiling, a damaged floor that is fixed in place, and the repair of these.

Also costs of tracing the leak: breaking open to find the leak and making good afterwards &mdash. Usually fall under the buildings insurance.

What falls under the contents cover

Your belongings: furniture, appliances, clothing, and a floor that is laid loose. You report those to your contents insurer.

If you have both policies with the same company, it runs in one file; otherwise there are two claims.

What falls under neither

The cause itself. A burst pipe is not paid for. The consequential damage is. That distinction surprises people most.

Also gradual damage (a leak that went unnoticed for months, damp slowly rising) falls outside cover. What is insured is sudden damage.

Groundwater coming up through the floor is not covered anywhere. There is no standard cover for it.

Within Opstalverzekering

Service

Frequently asked questions

This is what people ask us most.

Does water damage fall under buildings or contents cover?

Usually both: the building under buildings cover, your belongings under contents cover.

Is the burst pipe itself covered?

No, not the cause; the resulting damage is.

Are the costs of tracing the leak covered?

Usually yes, under the buildings insurance, including making good.

What about gradual damage?

That falls outside; what is insured is sudden damage.

And groundwater?

That is not covered anywhere. There is no standard cover for it.

Do I have to report it twice?

With two insurers, yes. With the same company it runs in one file.

What is covered and what is not

What is covered

Situation	Extended	Comprehensive
Your washing machine overflows and the laminate floor in the utility room buckles	Yes	Yes
A blocked drain makes the shower tray overflow as far as the hallway	Provided that	Yes
Rain comes in because you had left the roof window open	No	No
A radiator freezes during your winter holiday and splits open	Provided that	Provided that
The pond in the garden empties and the water seeps into the crawl space	No	No
A burst hot water cylinder in the loft soaks the ceiling of the bedroom below	Yes	Yes

In a flat, the division regulations first determine whether the leak was in a communal part. Only then does a policy come into the picture.

Water damage: is that contents or buildings?

What falls under the buildings cover

What falls under the contents cover

What falls under neither

Read more

Within Opstalverzekering

Similar pages

Service

Frequently asked questions

What is covered and what is not

Water damage: is that contents or buildings?

What falls under the buildings cover

What falls under the contents cover

What falls under neither

Read more

Within Opstalverzekering

Similar pages

Service

Frequently asked questions

What is covered and what is not

Privacy Settings

Functional

Preferences

Statistics

Marketing