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Is leakage in the home covered by the contents insurance?

You come home and find that your entire living room is flooded. This is very annoying and, of course, you want to know whether the insurance will pay for the water damage. Most home contents insurance policies pay for damage caused by leakage. However, most insurances also have conditions before they proceed to pay the damage. In this article, we will go over what the insurance covers and when the insurance pays out if you have had a leak.

What does contents insurance cover and how do you claim?

Contents insurance covers all movable items (things that are movable). This includes, for example, your bed, TV, couch and desk. However, there are different policies within contents insurance. Depending on the coverage you choose, you are insured up to a certain maximum amount. It is also advisable to estimate the value of your belongings. It is usually the case that contents are insured at new-for-old value.

Insurers often set the condition that the damage must be caused by unforeseen circumstances. Leakage must therefore be unforeseen. Overdue maintenance does not fall under this condition as this could have been prevented. Has it rained so hard that the gutter can no longer hold and does the water penetrate the roof? Then there is a good chance that the insurer will compensate this. After all, this is unforeseen.

Home contents insurance leakage

It is always important to report damage as soon as possible. This can often be done by phone or email. Afterwards, you will need to fill out a claim form to record the damage. After filling out the claim form, the insurer will see if you are entitled to compensation. It is possible that the insurer will send a damage expert to record the damage and look at the amount of the damage. When filling out the claim form, it is wise to include photos and possibly purchase receipts of the damage. This way you can better prove where the damage is and the cost of the broken items.

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What does insurance pay out if you've had a leak?

Insurers pay compensation if the leakage was caused by an unforeseen circumstance. Furthermore, it then depends on which insurance policy you have and what the maximum amount the insurer will pay out in the event of a leak. Insurers differ greatly in this regard. Want to know what the insurer will cover/pay out in the event of a leak? Then always check your policy. Or always look at the policy schedule when taking out household contents insurance.

Beyond damage to your household contents, you've probably suffered damage to your home. For this there is another insurance, namely the building insurance. This covers damage to the ceiling or walls, for example. In the event of a leak in your home, you will need two types of insurance. If you do not yet have these insurances, it is wise to compare them carefully and see which one best suits your needs.

More information about insurance? Check out the options at Alpina!

Do you want to take out home contents insurance or building insurance? Then you've come to the right place at Alpina. At Alpina you always get the most complete insurance for the right price. Do you have any questions about insurance? Please contact us or request a no-obligation quote.

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