Many people have this question when removing blockages, whether the insurance covers the damage that occurred during the blockage. In that case, it is necessary to go around that topic first, that in the concluded home insurance contract a blockage is it included?, as an insurance event. If yes, then the insurance service is accountable. If not, Then it is worth including the damage caused by the blockage in a contract, as an insurance event.
It is also extremely important for us to examine it, whether our insurance contract includes a separate plug, as a damage event, because, but also, then the insurer will not cover the blockage costs of damage caused by. Losses due to blockage, pipe break, a burst pipe is only covered by the insurance company, if the insurance includes compensation for water damage. It is also important to know, that the amount and frequency of the amount that can be paid for the damage event are limited.
When there is a problem?
Unfortunately, not only small blockages can occur on weekdays, not all blockages are so easy to clear, such as sink and toilet blockages, there are also cases where it is necessary to replace the pipelines to eliminate the blockage, which is not only by demolition, with dirt, but it can even lead to the flooding of the apartment below us, so the anti-clogging the cost can be several million forints.
That's why it's so important, to have a combined home insurance, which is not only the anti-clogging covers the cost, but the pipe replacement, disinfection, and also the expenses of the arising renovation.
What to do when a damage event occurs?
When the damage event occurs, we must contact our insurance company and provide documentation (picture, video) we need to make about the event, since the presentation of this can be extremely important later on!
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