The last few weeks have shown it: Snow and floods in many homes and left to their destructive mark. The right insurance protection is provided that such natural phenomena not also be a financial disaster.
Still there may be heavy snowfall. House and apartment owners should take in this case, a regular look at the roof. The snow may cause deformation, cracks, or at worst, lead to the collapse of the roof when the snow is too high. can
floods and heavy rain there all year round. Damage caused by such natural phenomena are regarded as natural or natural disasters.
protection against natural forces
In a building insurance, these types of damage is usually covered only if damage by the elements were insured. The same also applies to the household insurance policy.
The co-insurance of natural hazards, risks arising from the snow, floods and heavy rain, but also by avalanche, earthquake, sinkhole, landslide or volcanic eruption is usually possible for a small fee.
As an alternative, a separate non-life insurance unit to be completed.
initiative helps prevent damage
In addition, make each one of protection and prevention measures such as flood against and snow load. For example, the brochure informs the land is under - Protection against flooding and high water "of the GDV on measures before and after a flood.
From Bavarian State Ministry of the Interior there is the internet more help and information sheets as the "flood Checklist" and " snow on roofs - Tips for homeowners . What structural protection and prevention measures against floods are sensible, in the "Guide flood" of the Federal Ministry of Transport, Building and Urban Development found.
basically advises the General Association of German Insurers eV (GDV) in snow, the weight of the white Splendor not to be underestimated. A ten-centimeter thick layer of snow, depending on the degree of ice and water content, more than 100 kilograms per square meter weigh.
Not to act rashly
If you are not sure if the roof still bears the burden should be, a local roofer guild operation or fire departments will be asked. In no case should house and apartment owners certainly try to climb onto the roof to shovel the snow on their own layers of gable.
For questions, how can one's own belongings including against potential natural hazards, please use our contact form on the right.
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