Water Damage at Home: What to Do in the First 24 Hours
What you do in the first hours shapes both the damage and the claim outcome.
Home and contents insurance plus compulsory earthquake insurance (DASK): sums insured, coverage gaps and claim steps.
What you do in the first hours shapes both the damage and the claim outcome.
The complex policy protects shared areas; your flat’s contents still need your own policy.
Valuables carry a separate sub-limit, and without signs of forced entry payment becomes disputable.
DASK insures the building, not your belongings — home insurance closes that gap.
An understated contents sum reduces the claim payment proportionally — the most common and costly mistake.
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