{"id":4625,"date":"2026-01-14T13:48:31","date_gmt":"2026-01-14T13:48:31","guid":{"rendered":"https:\/\/grupoxandra.eu\/?page_id=4625"},"modified":"2026-02-17T15:42:05","modified_gmt":"2026-02-17T15:42:05","slug":"atmosferische-fenomenen","status":"publish","type":"page","link":"https:\/\/grupoxandra.eu\/en\/atmosferische-fenomenen\/","title":{"rendered":"Atmospheric phenomena"},"content":{"rendered":"
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Atmospheric phenomena<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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Do you have any questions? We will gladly give you clear answers<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\treport a claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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My property has damage from heavy rain. Is that insured? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, if more than 40 liters per m\u00b2 per hour fell according to an official measuring point, damage to interior walls, ceilings or furniture is usually covered. Lower amounts are not covered.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How do I know if the rain was \u201cextreme\u201d enough for coverage? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Zurich relies on official weather data from recognized agencies. They check this automatically with each report and notify you as soon as an expert confirms whether the threshold has been crossed.
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What happens if the rain came in through the roof or terrace? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Consequential damage (inside) is insured, but the repair of the roof or terrace itself is always at your own expense. It is important to have this repaired quickly to prevent new damage.
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Is the roof or patio itself also repaired by insurance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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No, the cause itself - such as defective roofing or grouting - is not covered. (Unless extreme storm winds would have damaged the roof.) Only consequential damage is covered if the rain was exceptionally heavy.
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What if I have already had repairs done before the expert came by? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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You can, as long as you have clear photos before and after the works and a detailed invoice. Without proof, Zurich cannot recognize the damage.
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I want to recover quickly. Should I wait for the Zurich agreement? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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You choose that for yourself. Those who want certainty about compensation should wait for the expert's agreement. Those who do not want to wait, can already repair provided sufficient evidence (photos + invoice).
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What photos and documents should I provide? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Photos of the damage (before and after), description of the incident, date and time, and invoices of repairs. Official weather data or warnings also help.
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What happens if there is wind damage, but the speed was less than 75 km\/h? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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If so, there is no coverage with any company. Your property must withstand normal winds. From 75km\/h Zurich's coverage applies; most other insurers only cover from 85 or 95km\/h.
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Are loose objects such as umbrellas, flower pots also insured in case of storm or hail? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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No, loose or unanchored items are excluded by default. Garden furniture does tend to be covered separately, as well as fixed structures or anchored elements such as sun tents.
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My solar panels or windows are damaged by hail. Is that insured? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes, if the hail was exceptionally intense. Damage to solar panels is only covered under certain policies. If in doubt, we will review your coverage together.
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What should I do if my electrical appliances are broken after lightning strikes? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Take photos of the appliances, request a technical report from a specialist and provide the repair invoice. Keep the appliances until the case is completed.
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How do I prove that the damage was effectively caused by lightning? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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An official weather report and a technical report from the repairer are sufficient. This should clearly state that the damage is due to power surge or lightning strikes and which parts broke as a result.
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What happens if the insurer denies my claim because the weather was \u2018not extreme enough\u2019? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Then we'll review together whether there is additional evidence, such as local news articles or damage from neighbors. We will defend your case to the end.
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What if the damage is actually due to poor construction or maintenance? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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If so, there is no coverage. The home must be in a normal state of repair. However, we can help prove whether the damage was caused in part by the weather.
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How does GrupoXandra help me during the claims process? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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We open your file, follow up communication with Zurich, provide missing info and contact you directly in case of delays. You have one point of contact until everything is resolved.
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Had damage? We'll take care of it for you.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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A claim is annoying enough, especially if you are in another country and not <\/span>everything proceeds in your own language. That's why we make sure that your damage <\/span>is handled correctly, clearly and as smoothly as possible.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\treport a claim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Atmosferische fenomenen Heeft u vragen? Wij geven u graag duidelijke antwoorden Schade melden Mijn woning heeft schade door hevige regenval. Is dat verzekerd? Ja, als er meer dan 40 liter per m\u00b2 per uur is gevallen volgens een officieel meetpunt, is de schade aan binnenmuren, plafonds of meubels doorgaans verzekerd. Lagere hoeveelheden vallen buiten de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4625","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4625","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/comments?post=4625"}],"version-history":[{"count":49,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4625\/revisions"}],"predecessor-version":[{"id":6502,"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/pages\/4625\/revisions\/6502"}],"wp:attachment":[{"href":"https:\/\/grupoxandra.eu\/en\/wp-json\/wp\/v2\/media?parent=4625"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}