if the insurance provider is to pay for the damage this must be reported immediately.

In essence, the following must be notified:

– the buildings insurance provider
– the household insurance provider

Containing the damage:

• Divert fumes into the atmosphere as quickly as possible
• Keep doors and gates closed (avoid draughts!)
• Secure non-affected areas from becoming polluted by any transmitted dirt

Avoid further damage:

• Shut down ventilation and air-conditioning systems as well as other equipment
• Close off supply lines (gas, electricity, district heat)
• Switch off existing uninterruptible power supply

Secure the damage zone:

• Shut off or secure hazardous areas
• Protect plant components and equipment from water
• Close off building openings, making them watertight and resistant to breakage

NEVER conduct operating tests on electrical equipment under any circumstances! (Condensed smoke causes leakage currents, therefore a short-circuit hazard!)

if the insurance provider is to pay for the damage this must be reported immediately.

The fire must not have been started deliberately, nor caused through gross negligence.

In principle we can differentiate between two types of insurance:

Buildings insurance

Mandatory for all homeowners. Alongside the damages to the basic structure of the privately owned home it also covers all the damage to fixed parts connected to the building (e.g. interior and external doors, windows, painting, wallpaper, ceiling and wall coverings, affixed floor coverings, bath, washbasins, etc.).

Clearing and demolition work as well as disposal costs regarding the building are insured up to a maximum limit (= insured amount) that is defined on a case-by-case basis. You can find a more detailed list or classification under the ‘Grouping notes’ section of your insurance policy.

 

Household insurance

If damage occurs, household insurance takes on the costs for the replacement or restoration of furnishings and household effects in accordance with the scope of cover agreed.