Valuable advice on how to act in the event of your home is damaged

[Kristel Kobi | 10.01]

Even though many homeowners are careful and prudent, a broken pipe in a neighbour’s apartment, a leaky washing machine, a short in a piece of technical equipment or a carelessly placed Christmas candle may create great chaos and end with enormous expenses.

‘Smart devices hold the top spot when it comes to home insurance losses, followed by water damage caused by leaking or burst pipes. An average case of damage to the home costs Seesam EUR 1826; just under EUR 700 in the case of devices’, said Kristel Kobi – who has worked for 10 years as a home insurance loss adjuster at Seesam – while providing an introduction to household insurance claims.

According to the insurer, home insurance helps one to protect oneself and their family from dangers, and thankfully people have become increasingly aware of this. Unfortunately, people are less aware of how to act when actually facing trouble. Decisions made in a state of panic may have significant repercussions when it comes to the actual scope of damage resulting from an accident and later compensation.

Seesam’s representative has assembled some helpful suggestions on how to act in the event that your home is damaged, which will help you to restore it as quickly as possible to its pre-accident state.

Make sure that there is no threat to people, and save what you can

Even though you should contact your insurer at the first opportunity, in the case of every accident you must act according to the situation. For example, in the case of water damage, one must think about shutting off the water as well as preventing water that has already leaked from causing damage to the property of neighbours or additional damage in your own home. If possible, immediately begin the clean-up and drying process and protect your assets from any further possible damage.

In case of fire, remember that the most important thing is human life – the loss of which cannot be compensated by any type of insurance. Therefore the first priority should be to evacuate people or provide first aid to the injured, notify the Rescue Board and only then begin to extinguish the fire using basic fire extinguishing equipment.

Review damages

The desire to quickly restore your home to its pre-accident state often leads to hasty decisions being made. As a result, important details may be overlooked or one may even fail to notice them until it is too late. On the other hand, damage resulting from water may appear a little later, when parquet flooring begins to swell or paint begins to peel from the wall. It is therefore important to understand the scope of the accident and to preserve the site of damage in an untouched state until the insurer has given their consent.

Notify your insurer

Your home, your rules – but not always. At home we may begin the process of eliminating confusion purely out of instinct; however, before doing so, the insurance company should be informed and their instructions should be followed instead. If clean-up really can’t wait, the situation should be captured, for example, with a photo from a telephone. A more commonly occurring problem is that objects and items which were damaged are thrown away and then compensation is later desired. It is important to preserve all of the property that remains, regardless of how poor a condition it is in. The more evidence, the easier it is for the insurer to assess the amount of damage and begin the compensation process.

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Insurance is provided by Compensa Vienna Insurance Group, ADB Estonian Branch, which operates under the Seesam trademark in Estonia. Before concluding policies, please read the terms and conditions at www.seesam.ee and consult an expert if needed.
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