Storm and hail damage are covered by almost every building insurance. But what about other natural hazards, such as flooding, heavy rain or snow pressure? Gesamtverband der Deutschen Versicherungswirtschaft (GdV) says: The majority of buildings in Germany are not insured in such cases.

Insurance coverage is missing

Damages caused by earthquakes, heavy rain, flooding or, for example, snow pressure are not covered by the compulsory building insurance. Here owners have to take out a supplementary insurance against natural damages. On average, however, only 43 percent of homes have this additional protection, according to the GdV.

Good advice: check insurance

Many owners do not know exactly what their insurance covers. Especially if the degree was years or decades ago, there is a lack of clarity. In any case, a critical look in your own documents or a demand for the insurance is worthwhile. It is also advisable to compare different insurance companies. However, the decisive factor should not be the price, but above all the services and the reimbursement guidelines.