Does a building insurance cover damage to my thatched roof caused by fire?
A thatched roof on your home has a charming appearance, but it is also more susceptible to fire. Fortunately, property insurance with fire coverage covers damage to your thatched roof from fire. You can also take a number of measures yourself to reduce the risk of fire. On Alpina\.nl, we tell you all about property insurance with fire coverage for your thatched roof.
What does a building insurance with fire coverage cover?
Most insurers not only reimburse the damage caused by a fire but also the extinguishing and water damage. In addition, soot damage is usually covered by the insurer. This also applies to damage to your thatched roof. Always check the policy conditions to see exactly what your insurer covers in the event of fire.
If the fire destroys your home completely, most insurers will reimburse the cost of rebuilding the home. This is called the reinstatement value. Insurers determine this value by using the rebuilding value meter.
Prevention measures to prevent fire
You can also take a number of measures yourself to reduce the risk of fire and the actual damage in the event of a fire. This applies not only to the thatched roof, but to your entire home. Most fires start in the house itself. Therefore, you must take sufficient measures for both the inside and the outside. The following measures can be taken:
- Ensure that there is fire-resistant cladding on the inside of your roof
- Install a lightning rod on the roof
- Install a smoke detector in each room or at least on each floor
- Check regularly that the smoke detectors are still working and that the batteries are still good.
- Clean the filters of electrical appliances regularly (e.g. washing machine and dryer)
- Have the boiler checked annually
In addition, always make sure you have an approved fire extinguisher in your home. If you take good preventive measures, this in turn can benefit the amount of the insurance premium.
Take out property insurance with fire coverage for your thatched roof through Alpina
With us you have come to the right place for building insurance with fire coverage. This ensures that your home with a thatched roof is properly insured in the event of a fire. On Alpina.nl you can calculate an indication of the premium. You can do this in our handy online comparer. This way you can be sure that you will not pay too much for your insurance. You can take out home insurance directly online or request a definite quote first.
Of course, you can always consult with one of our insurance specialists. They can answer all your questions and give you good advice. So don't hesitate to contact us! You can reach us by phone from Monday to Friday from 08.00 to 18.00 on 088 - 6883700. Of course, you can also send us a message via chat, WhatsApp or Messenger.
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