Südwesten bebte: Erdbeben: Welche Versicherung zahlt bei Schäden?

On Thursday, September 10th, a mild earthquake shook the region at the border between Baden-Württemberg and Rhineland-Palatinate. Thankfully, no major damage was reported. However, what would happen if a disaster did occur? Which insurance would cover the financial consequences of such an event?

According to the Gesamtverband der Deutschen Versicherungswirtschaft (GDV), the standard homeowner's insurance policy typically does not cover damage caused by cracks in the wall, broken windows, or damaged roofs. To ensure coverage, policyholders should review their contract documents or inquire with their insurance provider. A supplementary earthquake coverage, often available as a separate add-on, may be necessary.

Alternatively, an earthquake-specific insurance policy can be purchased, but it usually does not cover other natural disasters.

For damages to movable household items, such as furniture or appliances, caused by an earthquake, an additional clause for earthquake damage may be required within the household insurance policy. Without this addendum, affected individuals would be solely responsible for the loss.

In the event of damage to a vehicle caused by an earthquake, a comprehensive insurance policy would typically be required. Standard third-party liability or third-party fire and theft insurance policies generally do not cover damage resulting from natural disasters like earthquakes. Policyholders can inquire with their insurance provider about an extended coverage for natural disasters.

After an earthquake, it is crucial to document the damage as soon as possible and report it to the insurance company. Photos, videos, and a detailed description of the incident can aid in the assessment of the damage. Policyholders should also take steps to minimize further damage, such as securing any compromised areas temporarily. However, safety should always be the top priority; for instance, entering a damaged building or rescuing a fallen tree from the roof can be dangerous and should be avoided.