Has your home been dealing with moisture problems? Or has your home been flooded after heavy rainfall? Significant water damage may have occurred as a result. You might be experiencing stains on the walls or certain building materials may even need replacement. The longer the moisture has been present in your home, the greater the damage will be.
When it comes to water damage, you should think about fire insurance. This fire insurance reimburses part of the costs you incur to repair water damage. Unfortunately, not all forms of water damage are covered by fire insurance.
Not all Water Damage is Covered by Fire Insurance
The only form of water damage covered by the insurance is the consequential damage from moisture. This means that only the damage incurred due to moisture is reimbursed. Treatments to address the cause of the problem, such as rising damp, are not covered by fire insurance.
In general, two types of moisture problems are compensated by fire insurance. On one hand, there’s penetrating damp, which is moisture that enters your home through the roof or facade, and on the other hand, there are damp spots caused by leaks.
It’s important to know that water damage is only compensated by fire insurance when that damage was not minimally foreseeable. This means that the fire insurance will not intervene if you could have prevented the damage yourself in advance.
What if Water Damage Was Caused by Someone else?
Suppose: you live in an apartment and a leak from the upstairs neighbor has caused water damage in your apartment. Or the roof of your neighbor is leaking water onto your facade, causing water damage. In this case, the fire insurance will also intervene, but it will be your neighbor’s insurance. The neighbors are then responsible for the damage and will have to take care of the bill.
What Water Damage is not Covered by Fire Insurance?
Has the moisture occurred due to rising damp? Or are you dealing with mold growth and damp spots in the bathroom due to condensation? These types of water damage are generally not covered by fire insurance.
Only Part of Repair Works for Frost Damage Falls under Fire Insurance
Moreover, typically not the entire bill is reimbursed by the insurance. The costs that need to be made to solve the cause of the problem, the leak in the pipe for example, will not be reimbursed.
You are only entitled to compensation for repairing the consequential damage. In case of a leak, this would be damaged building materials that need to be replaced.
If your home is dealing with water damage due to penetrating damp or a leak, always check with the insurance company what exactly is insured. This way you won’t face any unpleasant surprises.
Where else You Can Turn to for Water Damage: the My Renovation Premium
Fortunately, financial assistance does exist for those dealing with water damage caused by condensation or rising damp. You can then turn to the online portal of the My Renovation Premium. This is an overarching premium that you can apply for various renovation works, from facade renovations to the installation of a heat pump. And thus also for addressing water damage.
Specifically, you can apply for the My Renovation Premium for:
- Treating rising damp via wall injections or applying a new water barrier;
- Plastering interior walls after water damage;
- Treating cellar or house fungi, as a result of moisture in the house.
How much you get reimbursed through the My Renovation Premium depends on your family situation and your income. However, it’s never the full invoice. In the most favorable case, when you belong to the lowest income category, you get half of the invoiced amount reimbursed.
Solusio Combats Water Damage in Homes
Have you discovered a moisture problem in your home? Then it’s of course important to address it as quickly as possible. For this, you can usually deal with moisture? And has this caused moisture damage? In certain cases, you may be able to claim on your fire insurance. For other moisture problems, you can turn to the My Renovation Grant (Mijn VerbouwPremie).
And to solve the moisture problem itself, you can turn to us. The experts from Solusio are happy to come by to analyze the moisture damage and prepare a quote. Contact Solusio today and request your free moisture diagnosis.