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Do you have a house with asbestos? What about the building insurance?

Asbestos is a problem in a major fire. Will the insurer reimburse the financial damage caused by asbestos? Or do you have to pay for it yourself?

Many garages and sheds still have asbestos on the roof. Do you still have it? In time, you will have to get rid of it. In the event of a fire, for example, the costs due to asbestos can be high. It remains to be seen whether the building insurance company will bear these costs. And if the insurer does not reimburse, can the costs be recovered from you?

Do you have asbestos in your home?

Many houses built before 1994 contain asbestos. It was a cheap material with useful properties. It was often used for roofs of sheds and garages, but it was also used in the house itself. For example, to conduct heat from a central heating system. When buying a house, the seller (or estate agent) should point out the presence of asbestos. Asbestos will be banned on 1 January 2025, but it is already clear that all asbestos will not have been removed by that date.

The polluter pays, so the homeowner bears the costs.

building insurance asbestos

What is the danger of asbestos in the home?

For example, storms or fires can damage roofs. This can pose a danger to the surrounding area. Due to a fire, loose pieces of asbestos can fly through the air and cause pollution in the neighbourhood. Because of the health risks, the asbestos particles must be removed. The soil around the house is decontaminated. This causes high costs. The polluter pays, so the homeowner has to bear the costs. Most building insurance policies include compensation for this, but not always. The insurers who do reimburse this may apply a maximum.

Take out buildings insurance? Calculate your premium!

Choose the building insurance carefully

When you take out buildings insurance, you don't just pay attention to the amount of the monthly premium. Especially when you have a house with asbestos, you have to be careful. The costs of clearing and decontaminating can run into the tens of thousands of euros. If the insurer does not reimburse it, the bill is the homeowner's problem. Even if it was not caused deliberately.

Does the insurer reimburse the removal of asbestos from the roofs?

It is also in the insurer's interest that you remove asbestos from your house, so let the insurer help pay for it. Unfortunately, that is not how it works. Insurers are not going to help pay for this. They want to bear the risk for you, but they are not going to support you financially to remove the risk. Insurers encourage the prevention of damage, but you have to bear the costs yourself. The installation of fire extinguishers also benefits the insurer, but in that case, too, the insurer does not contribute to the costs.

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