Insurance Tips - Who pays for storm damage?

Especially in the summer often threatening severe storms with hail and torrential rain. Who pays for damage to homes and farms, knows the Consumer Saxony.
Claims for covered roofs, bent trees, is usually a case for the insurance. Storm damage should therefore necessarily be reported immediately to the insurance company. Affected parties are also obliged to refrain from anything that might complicate the assessment of damage - otherwise they risk the necessary insurance coverage, knows the Consumer Saxony. Sources of risk and may need to be removed. Standards in damage has compiled consumer Saxony.
Damage from storm
For storm-term building, household contents and accident insurance. When applicable, after the stormy conditions of the insurer (AGB) wind speed of eight and higher. This corresponds to a wind speed of 63 Kilometer per hour. That the wind storm in brick and roofing felt let go need to show is generally not concerned themselves. According to ABG, it is sufficient that houses were damaged in the neighborhood. Household goods were damaged when the storm is only paid if they were housed during the gusts in a building and this was also damaged by the wind. Exception: antennas and awnings, which are a tenant, are placed outside the building and used exclusively by the residents of the insured dwelling. If the storm hurled tiles at a parked car, is the partial coverage of the holder into the car payment. Assured, however, is not the replacement value, so the original price of the trailer, but usually only the value it has at the time of notification of damage yet (time value). Furthermore: Often the policyholder has agreed a deductible, which is deducted from the compensation amount still. Has demonstrated a rotten tree damage caused when a roll-over, the tree owner or his insurance cover it if necessary. If a healthy tree fell over, this is considered "force majeure" and the owner is not liable for the damage.
Damage caused by rain and hail

as a rule becomes effective for hail damage to a roof, windows or shutters of the building insurers. When continuous rain flooded basements or damaged walls and inventory, but helps the supplementary elementary insurance. The policy, which is usually offered as a supplement to the household and homeowners insurance, covers some more damage, namely, by flood, earthquake, subsidence, and landslide and by snow pressure and Avalanche. However: This additional protection is generally agreed to excess - often amounting to ten percent of losses. Contents insurance from the GDR era provides protection against natural forces as before. These old GDR policies have been taken over by Allianz Insurance. Warning: do not have household-dwelling insurance liability, when rain enters through open doors or windows.