{"id":4641,"date":"2017-12-19T10:52:40","date_gmt":"2017-12-19T09:52:40","guid":{"rendered":"https:\/\/www.athome.lu\/blog\/services\/conseils\/?p=4641"},"modified":"2022-05-12T08:48:25","modified_gmt":"2022-05-12T06:48:25","slug":"snowfalls-is-your-home-well-assured","status":"publish","type":"post","link":"https:\/\/www.athome.lu\/blog\/en\/mon-logement\/assurance\/chutes-de-neige-votre-habitation-est-elle-bien-assuree\/","title":{"rendered":"Snowfall: is your home properly insured?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Winter has definitely arrived in Luxembourg with the return of the snow!<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Snowflakes, snowmen and sleighs rub shoulders with snow tyres, snowploughs and traffic jams... The white coat makes some people happy and others unhappy!<\/span><br><span style=\"color: #000000;\"> But what a pleasure to be able to warm up at home after an afternoon of snowy leisure activities or after braving slippery roads!<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Of course, you don't want to spoil your fun because of roof damage caused by the weight of snow!<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">So now is the time to check if your home is well insured \ud83d\ude09<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>The snow is falling... and so is my roof!<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">In addition to water damage caused by seepage, snow can also cause other damage to your home: a roof that collapses under the weight of the snow, a gutter that leaks...<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Whatever the damage, it will only be covered if it is stipulated in your home insurance policy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">In most cases, there is a \"storm\" guarantee, which covers material damage caused directly by wind or an overturned body, hail, the weight of snow or ice accumulated on roofs and also, the impact of hail on buildings.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Of course, each insurance contract will indicate limits and conditions for compensation. This information will enable you to check to what extent you can be compensated.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">You should, however, be aware of certain exclusion clauses. For example, the insurance will not cover damage related to the vulnerability of certain buildings or property (e.g. buildings not fully enclosed and covered, outbuildings made of light materials, outdoor objects) or to a lack of repair and maintenance of your property.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Some damage can therefore be avoided, for example by properly insulating outdoor pipes (which tend to burst when temperatures rise) or by insulating unheated areas such as the cellar or garage.<\/span><\/p>\n\n\n<section id=\"section-3-14695\" class=\"ct-section\" ><div class=\"ct-section-inner-wrap\"><div id=\"div_block-4-14695\" class=\"ct-div-block\" ><div id=\"new_columns-7-14695\" class=\"ct-new-columns\" ><div id=\"div_block-8-14695\" class=\"ct-div-block\" ><div id=\"div_block-14-14695\" class=\"ct-div-block\" ><\/div><\/div><div id=\"div_block-9-14695\" class=\"ct-div-block\" ><h1 id=\"headline-11-14695\" class=\"ct-headline\">What are the property prices at the moment?<\/h1><div id=\"text_block-12-14695\" class=\"ct-text-block\" >Prices are slowing down. Interest rates are rising. What are the trends for the coming months?<\/div><a id=\"link_button-13-14695\" class=\"ct-link-button\" href=\"https:\/\/www.athome.lu\/blog\/blog\/marche-immobilier\/prix\/tendances-2022\/\" target=\"_blank\"  >Read the analysis<\/a><\/div><\/div><\/div><\/div><\/section>\n\n\n<h2 class=\"wp-block-heading\"><span style=\"color: #000000;\"><strong>There is damage... what do I do?<\/strong><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">As soon as you notice snow damage, you should contact your insurer.<\/span><br><span style=\"color: #000000;\"> Depending on the source, the period varies from 72 hours to a maximum of 5 days. You should therefore check what your insurance contract stipulates.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">To make a claim for compensation, you need to draw up a list of the lost or damaged property with figures. You should also prepare a precise description of the damage, support it with photos and do not forget to provide proof that the property belongs to you.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Also remember to take the necessary steps to ensure that the situation does not get worse!<\/span><br><span style=\"color: #000000;\"> For example, if tiles on your roof are in danger of falling off, try to fix them temporarily.<\/span><br><span style=\"color: #000000;\"> Because if no temporary solutions are found, your insurer could blame you and your compensation would be lower than expected!<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">The final step in the compensation process is that an expert may be called to visit the site to assess the damage and put a figure on it.<\/span><br><span style=\"color: #000000;\"> Therefore, do not hesitate to keep the damaged objects to be able to present them to him if necessary.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Once the costing has been carried out, your insurer will tell you how much compensation you can expect.<\/span><br><span style=\"color: #000000;\"> It will be paid to you as soon as you agree on the amount.<\/span><br><span style=\"color: #000000;\"> If you wish to contest the proposed compensation, your insurance company will have to examine your claim in order to decide whether the amount of compensation should be revised.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>L\u2019hiver s\u2019est install\u00e9 d\u00e9finitivement&nbsp;au Luxembourg avec le retour de la neige&nbsp;! Flocons, bonhomme de neige et tra\u00eeneaux c\u00f4toient pneus neiges, d\u00e9neigeuses et embouteillages\u2026 Le manteau blanc fait le bonheur des uns et le malheur des autres&nbsp;! Mais quel plaisir de pouvoir se r\u00e9chauffer \u00e0 la maison apr\u00e8s un apr\u00e8s-midi de loisirs enneig\u00e9s ou apr\u00e8s avoir [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":7404,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[204],"tags":[58,90],"class_list":["post-4641","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-assurance-habitation","tag-vie-quotidienne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Chutes de neige : votre habitation est-elle bien assur\u00e9e ? | atHome<\/title>\n<meta name=\"description\" content=\"La neige peut provoquer plusieurs dommages sur votre habitation : un toit qui s\u2019affaisse, une goutti\u00e8re qui s\u2019\u00e9coule\u2026\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.athome.lu\/blog\/en\/my-home\/insurance\/snowfalls-is-your-home-well-assured\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chutes de neige : votre habitation est-elle bien assur\u00e9e ? 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