Advent, Advent … sometimes not only the lights are burning, but also the green around the candles. After a fire has been extinguished, the question quickly arises: Who pays for the damage?
An Advent season without candlelight is unthinkable for many people. That is why fires occur more frequently in the run-up to Christmas. It is true that the resulting damage is usually insured. Keeping an eye on the candles is also worthwhile with good insurance – if only to avoid fire.
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Fire from candles – which insurance helps?
According to the General Association of the German Insurance Industry (GDV), damage averaged around 3556 euros per fire occurred in 2019. The household items and the Homeowners Insurance for damage caused by a fire, declares the Association of Insureds (BdV).
the Household insurance replaces, for example, damaged or destroyed furniture or curtains. Gifts that should end up under the Christmas tree are also insured, provided that they do Brand have fallen victim. If not only the household items, but also the house itself are damaged, homeowners insurance comes into effect. There is also insurance cover for damage caused by extinguishing water, for example.
To go with it: 9 fire brigade tips for a safe Advent season
Gross negligence can cost insurance coverage
Still, burning candles should never be left unattended, if only because of the possibility of a fire breaking out. Otherwise there is a risk that the insurer will cut its benefits, warns the BdV. In such a case, those affected are usually accused of grossly negligent causing the insured event. The BdV advises to ensure that such damage is included in the insurance contract up to the full amount of the insured sum.
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