Beyond the trauma caused by a domestic fire, it is a question of financial coverage for the damage caused. Only fire guarantee protects you and offers you coverage against fire and explosions that take place in your home. Included in comprehensive home insurance contracts, the fire guarantee protects you at different levels.
What does the fire guarantee cover?
Fire guarantee is a guarantee always included in tenant and owner comprehensive insurance contracts. It intervenes when you are the victim of a fire, an explosion or lightning in your home. Depending on the contracts, you can also benefit from insurance coverage in the event of electrical accidents. Concretely, home insurance with a fire guarantee covers you for:
- Damage caused by fire.
- Damage caused by an explosion.
- Lightning damage.
- The costs incurred by the intervention of the firefighters and those linked to extinguishing the fire.
In addition, home insurance offers compensation for the building, damaged movable property, valuable objects, etc. Our advice: if you have high-value goods, consider requesting a professional valuation in order to have certificates of authenticity. This approach allows you to receive compensation according to the real value of your property!
You don’t have home insurance? In the event of a fire, you will not receive any compensation for your damaged personal property. In addition, if the fire damaged the neighboring home, you will have to reimburse the costs incurred yourself!
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What home insurance covers fire?
Tenant
You must take out tenant home insurance to protect your home against rental risks. Otherwise, you expose yourself to a lack of insurance which could cancel your lease and incur your liability in the event of a disaster. In the event of fire or other disaster, without insurance, you will be obliged to cover the costs incurred.
Owner
If you are an owner-occupier, having home insurance is mandatory. Fire guarantee is included in multi-risk home contracts. Concerning the other formulas, it is necessary to check that a theft and fire guarantee does exist.
As for landlords, the law does not require you to take out traditional home insurance. Only insurance with civil liability guarantee is necessary. However, taking out non-occupant owner insurance with fire guarantee gives you peace of mind. It allows you, even in the event of your tenant’s lack of insurance, to be compensated in the event of a loss!
How to be compensated in the event of a fire?
Following the fire, several steps are necessary. You must first collect evidence of the fire and the damage caused. Then, you must notify your insurer within 5 working days after the loss.
On the insurance side, an expert is mandated to observe the fire and assess the amount of damage. In addition to having home insurance, other obligations bind owners and tenants to receive compensation in the event of a fire:
- Have smoke detector boxes (compulsory since 2015). Purchase and installation are the responsibility of the owners.
- Sweep the chimneys at least once a year: an act the tenants are responsible for!
- Clear the area around your home, the financing of which is the responsibility of the owner.
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2023-09-18 08:51:04
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