One in four homes will experience subsidence due to the advancing drought in Flanders. The Insurance Ombudsman, Laurent de Barsy, has increasingly received complaints from families, such as Antoinette’s, since a new interpretive law was adopted on subsidence due to the drought. “The law has removed one obstacle, but the discussion remains extremely technical and every file is different. In some cases we try to convince insurers to intervene anyway. Also to avoid new problems in the future,” the ombudsman said. .
Insurers also disagree among themselves about how to deal with files like these. For example, some companies simply reimburse the costs for the repair of foundations. For a decisive solution, the ombudsman mainly looks at politics and the insurance sector itself.
“We must take into account the new climate reality in which we live. There must be a good discussion about how we interpret consequential damage in these types of cases so that insurers can provide a clear answer. It seems pointless to me to make repairs to homes that are within a will be damaged again in a few years because the foundation has not been addressed. We are also partly waiting for case law on this, but it is certain that this discussion will drag on for a while.”
2023-09-18 15:00:00
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