Overview
- Storm claims generally apply from wind force 8, roughly 62 km/h, which insurers use as the threshold for coverage.
- Structural damage to a house is handled by building insurance, while soaked furniture or other belongings fall under contents policies.
- Vehicle losses from falling branches or flooding are covered only by partial or comprehensive car insurance, not by liability coverage.
- Policyholders must limit further damage, promptly notify their insurer, document losses with photos or witnesses, and avoid major repairs before an adjuster’s inspection unless safety or habitability requires it.
- Flooding and groundwater damage require the Elementarschutz add‑on, and insurers are moving to include it by default, limiting cover for ZÜRS Zone 4 addresses and withholding flood protection for new builds in officially designated flood areas.