Understanding Storm Damage Coverage in Home and Car Insurance

The insurance expert, Gwenolé Tremel, notes the damage to a house in Landerneau, in Finistère. He intervened urgently to avoid any risk of infiltration. Who is covered? These are all those who have a home insurance contract, necessarily containing “Storm” guarantee, triggered as soon as gusts reach 100 kilometers per hour. All damage caused by wind to your home is covered. But this does not always concern ancillary buildings, such as a garden shed, a swimming pool or even fences. If they are not expressly mentioned in the contract, they are not covered by the insurance. What about your car? With comprehensive insurance, all repairs will be reimbursed to you. On the other hand, if you are insured by a third party, the damage will not be systematically covered. Are insurance likely to increase? Climate losses already represented ten billion euros in 2022. As a result, the average cost of home insurance has increased by 5% and amounts to €227. More details in the video at the top of this article. TF1 | Report J. Roux, C. Ebrel, N. Clerc