As Jambon points out, the bulk will have to be covered by private insurance companies, especially through fire insurance. It’s not required, but almost everyone has one. In addition, it includes a standard cover against natural disasters (which, by the way, does not require formal government recognition).
In fact, fire insurance covers most: the damage to the home itself, but also the costs of cleaning it up. Anyone who does not have fire insurance – about five percent of the population – cannot turn to the disaster fund if he or she could have taken out fire insurance. The only exception is people with a living wage or an equivalent allowance.
If the fire insurance covers everything that is indoors, then the car insurance covers the damage to the car if it is parked on the street, albeit only from a small comprehensive insurance policy.
And then there is the disaster fund: that covers everything that is not reimbursed by the insurer. For example, a washed away car without that small omnium. What the disaster fund does not cover is damage to the garden house, swimming pool or items that could have been removed. There is also a franchise of 500 euros, which you always pay out of your own pocket.
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