Weather insurance is triggered in occurrences related to natural phenomena, however, it is necessary to respect the contract policies.
We often watch news about floods caused by rain. In them, cars and other vehicles are dragged or damaged. So, who pays this bill? That’s what weather insurance is for. Do you know how it works?
The truth is that when we take out auto insurance , it is very important to check which coverages are available. However, many people forget to think about damage caused by nature, since the biggest concerns are theft and accident.
However, especially in regions with more frequent rainfall, including weather insurance and analyzing its coverage is essential. Learn more about the service, and if you don’t already have it, consider including it in your contract.
What is weather insurance?
Weather insurance is the protection offered in occurrences related to natural phenomena. And it’s not just about flooding, flooding or landslides. This type of insurance, as we will see later, also protects against minor claims.
This includes, for example, hailstorms which, by the way, can greatly damage both the vehicle’s paintwork and bodywork. Therefore, this insurance considers, as a natural phenomenon, events not caused by human action.
However, it is good to emphasize that insurance does not only protect vehicles, but also homes. Sometimes, it is included in the clauses and coverage of basic insurance, so the insured person must carefully analyze his contract to confirm that he has the service.
How does this type of insurance work?
Above, we point out that weather insurance protects the vehicle in cases of claims related to natural phenomena. Furthermore, we exemplify larger occurrences, such as flooding and hailstorms.
However, there are other situations in which the insured person can count on insurance coverage of this type, namely:
- trees falling on vehicles and houses;
- rays;
- earthquakes;
- windstorms.
Beforehand, it is worth mentioning that each insurance has a specific coverage, that is, it has its own protections for each type of accident. In addition, there are conditions imposed by the insurer for payment. Let’s understand better about this?
Let’s suppose that, on the way home from work, you face a storm that flooded the roads you pass. What is more prudent, including not putting your life at risk? Take cover, if possible, without trying to outrun the flood.
However, if you take the risk and decide to force passage or even go to a place where you are not safe, the insurer will probably not pay for the insurance. In other words, the policy does not cover negligence.
If, on the other hand, there was a sudden flooding of the road, covering the car, or, even, your vehicle was parked and eventually washed away by the flood, then yes, the insurance company honors the coverage.
What does weather insurance cover?
Although coverage against flooding and flooding is the most common, these are not the only coverage of insurance against bad weather. In addition, it is interesting to analyze what, exactly, the insurer covers in cases of claims. Let’s see.
- Flooding, flooding and flooding: damage caused by flooding, such as electrical, engine and interior parts of vehicles; furniture and electronics or structure of the residence;
- Lightning: damage to vehicles caused by lightning strikes or to the structure of homes;
- Hail: land and coverage of residential properties; vehicle bodywork. In the case of glass, a separate coverage is contracted;
- Falling trees: falling on houses and vehicles in case of rain;
- Gale caused by storm, in which there is, for example, roofing, broken glass, among other damages.
Although uncommon in Brazil, there is also specific coverage for tremors and earthquakes, whose protection is specified in the contract.
Is it worth taking out weather insurance?
Now that you know what weather insurance is and how it works, it’s clear that this type of service is worth having, right? We live in a tropical country, where occurrences related to natural phenomena are frequent, especially in summer.
Therefore, analyze the basic insurance you already have, whether auto or residential , and check if you already have coverage against nature damage. Otherwise, contact the company to arrange weather insurance as well.
