Building Insurance: Questions

You are right... I'll write it down on my to-do list...

There you go - why not just like that.

Hello,

.... 2002 was, to my knowledge, the first severe flood in this region in more than 100 years

I would focus less on possible flooding and more on the increase in storms and their aftermath

Rhine greetings

We concluded it years ago and I don’t want to miss it - due to the proximity of the Erft; even though everything has always gone off smoothly so far.

The Saar is also not far away from us.
However, I don’t have to worry about this, since there are quite a few meters of height difference between the river and the house. It could rather wash down from above - but we had a drainage specially installed for that.
According to reports, there used to be some mining in our region - so I consider elemental coverage sensible here against earthquakes (or we’ll just sleep quietly for 100 years).

Ok, learned something new again about who pays during a storm. But heavy rain is also intense, I saw once what damage it causes. Since then, we have continuously had a natural hazard insurance. Then the deductible doesn’t matter to you at all.

... therefore, I consider elemental protection against earthquakes to be sensible here (or we will continue to sleep peacefully for 100 years).

The last earthquake here occurred in the early 90s; at that time we were on a business trip in the Lipperland; it was calm there. However, as my mother described the events to me, the earth shook considerably. The last quake before that – if I remember correctly – was in the early 80s. So here the earth does occasionally play shaky games. Rhenish greetings

We have been with HUK for years and partly with HUK24. Claims are processed without any problems, whereby as a HUK24 customer you can contact the claims department of HUK locally.

We live in the Rheingraben.
Storms.....now and then and then severe. Flooding....not with us but with the flooding the groundwater level rises. A stream on the property.....and now and then.....a few times a year it shakes us more or less.

Landslide....there was one just three months ago in the neighboring town.

Better safe than sorry!