Have you been affected by bad weather?

Climate change and disruption to the seasons are increasing the frequency of natural disasters.

These violent storms are increasingly becoming a part of our daily lives and no region is really safe from this type of event, so it is important to be covered even in “non-flood zones”.

What should you do if you have been affected?

During this type of event, it is normal to be distraught and not always know what to do. Here is a list of good habits to adopt.

GOOD HABITS

First of all, make sure you are safe and contact the emergency services if necessary.
  • Stay away from fallen electrical and telephone lines and make sure you switch off your electricity and gas meters.
  • Stay informed about the situation meteolux.lu, www.infocrise.lu, www.inondations.lu and find out about any instructions you may need to follow; your commune or the government may have put in place some important measures you should be aware of.
  • Make an initial assessment of the damage before any clearing and cleaning, and take photographs of the damage.
  • Remember to note the damage by area, download an example of damaged goods inventory grid.
  • If your car is under water, for example in a cellar or underground car park, do not try to retrieve it or start it. Call a mechanic.
  • Contact your insurance agent They will assist you as much as possible.
  • Do not turn the power back on until the electrical system has been checked, and the same goes for the gas. As soon as it has been checked by a professional, it is important to switch on the heating to keep moisture away.

I would like to know if I am properly insured against floods

Consult your agent to make sure you are properly covered and advised according to your needs.

Home insurance

If you have taken out mozaïk’s natural disaster cover, you are covered.

If you have an old reebou family policy with natural disaster cover, you are only covered for the consequences of public sewer back-up from pipes inside your home.

Motor insurance

If you have taken out one of these three packs mobilé: Clima, Protection or Zen, you are compensated for your vehicle according to the conditions of your policy.

You get better compensation if you have taken out the Purchase Value or Value + option

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Not insured?

For floods considered “natural disasters”, it is possible to apply for financial assistance from the Ministry of Family Affairs.
The aid application form for people affected by floods is here.

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