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Hail and storm damage, covered
Unaware of what’s coming, Laura drives home from work on a hot summer’s day. On the way, the sky begins to darken, the wind picks up, the first heavy raindrops start to fall and then, suddenly, they turn into hail.
Of course, it’s too late for Laura to find suitable shelter, as she’s in the middle of the motorway. She can only hope that the hailstorm will soon pass and that she’ll get home safely; she does, only to find that her car is covered in large dents. What should she do now? Is it worth having the damage repaired? How much will her insurance cover?
Straightforward process for handling claims
In this kind of situation, you need to report the damage to your personal advisor as soon as possible. Laura calls her contact person at Union Swiss Brokers Holding AG straight away. Over the phone, the advisor helps Laura to report the claim in a matter of minutes.
Hail damage to the car would be covered by partial accidental damage insurance, and since Laura actually has fully comprehensive insurance (a combination of partial and comprehensive accidental damage insurance), she can relax and wait for her indemnity.
Which type of insurance covers what kind of damage?
Hail can damage more than just cars; various items such as blinds, garden furniture and crops are also at risk. Aside from hail, fire, flooding, high water, storms, rockfalls, landslides, avalanches and snow pressure are natural events that are always insured together with fire coverage.
Building insurance covers hail damage caused by natural events. In almost all cantons, fire and natural hazard insurance is compulsory for single-family homes.
Furniture in or around the house that’s damaged by hail or other natural events is covered by home contents insurance. Farmers in particular are advised to take out hail insurance to protect themselves from financial ruin due to hail.
Our insurance mandate
Our experts will conduct a thorough risk analysis with you and provide competent advice when it comes to making a decision. We’re on hand to assist you before you take out a policy, during the term of a contract and in the event of a claim. This service is free of charge. You can contact us by e-mail at burgdorf@unionsb.ch or by phone on 034 422 70 24.
To provide you with competent, comprehensive advice in the future, we require a written mandate from you. Simply download the form, fill it in and send it to us via e-mail or post to:
Union Swiss Brokers Holding AG
Lyssachstrasse 9
3400 Burgdorf
We’ll contact you upon receipt to discuss the next steps.
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