With the arrival of winter, heavy rain, strong wind, and floods can pose an increased risk to housing. Damaged roofs, leaks, broken windows, and water damage are some of the problems that can arise at this time of year.

Having a multi-risk home insurance can help protect the property and belongings against certain unexpected events. However, not all insurances include the same coverages, and the existence of a policy does not mean that any damage caused by bad weather is automatically protected.

Before the rainiest months, it's worth confirming the contract conditions and understanding in which situations the insurer can help.

What does multi-risk insurance cover in case of storm?

Poupança no Minuto offers home multi-risk insurance covering different property damages and contents. Winter-related coverage may include storm, flood, landslide, and natural phenomenon damages, depending on the contracted product.

However, it is important to distinguish these situations. Damages caused by wind, for example, may be subject to different conditions than those applicable to losses caused by water entry or rising water levels.

That's why it's not enough to confirm you have a multirisk insurance. You must check the specific and general conditions of the policy to understand:

-What phenomena are covered by the contracted coverage

-What types of damages are compensable

-If there are franchises, compensation limits or exclusions

-What procedures should I follow to report a claim

-Whether the coverage includes only the building or also the contents of the home.

This check helps identify potential limitations before a problem occurs.

Infiltrations, storms and floods: what are the differences?

Although they may seem similar situations, the source of the damage can influence the insurer's response.

Storm damage: can include losses resulting from wind or other atmospheric phenomena, provided they are covered by the policy and the conditions are met.

Flood damage: can result from accumulation or entry of water from outside. Applicable coverage depends on the water source and contracted conditions.

Infiltrações: water entering through roofs, walls, facades or other structures can have different causes. A situation related to a sudden event may have a different framework than a problem caused by lack of maintenance or gradual deterioration.

This distinction is important because visible damage alone does not determine if there is a right to compensation. The origin of the problem, coverage, and exclusions in the contract are essential factors.

Does the insurance always cover damage caused by rain?

No. Coverage depends on the policy conditions and the circumstances in which the damage occurred.

For example, water entry during a storm may have a different framework than a leak that developed over several months due to wear of a structure. Similarly, damages related to property neglect may be subject to exclusions.

It is also important to check if the insurance covers damage to the building, furniture, equipment, and other items in the home. Coverage related to the property does not necessarily mean all items inside are protected.

If in doubt, ask the insurer or broker for clarification before assuming a loss is covered.

What to check in the insurance before winter?

Winter approach is a good opportunity to review home protection.

Check the covered risks and confirm they include the ones that worry you most. Also verify insured amounts, deductibles, and applicable compensation limits.

If you have insured contents, confirm that the declared capital is still appropriate for the value of the goods in your home. Also consider that updating capitals and coverages should be done according to the contract conditions.

In addition to the policy, preventive measures can help reduce risks:

- Check the state of windows, doors, and seals

- Confirm that gutters and drainage systems are clear

- Watch for signs of infiltration or moisture

- Solve conservation problems identified in the property

- Keep insurance documents and necessary contacts to file a claim

Prevention does not replace insurance, but can help avoid damage and reduce complications when an unexpected event occurs.

What to do if your house suffers damage during a storm?

If an incident occurs, the priority should be to ensure people's safety and prevent damage from worsening, as long as it is safe to do so.

After that, contact the insurance company and follow the instructions to report the incident within the time frame specified in the contract. Whenever possible, take photos of the damages and keep receipts for expenses related to urgent protection measures.

Avoid removing traces or making permanent repairs before getting instructions from the insurer, unless necessary to protect people or prevent further damage. Keep records of the interventions performed.

The insurer will assess the incident according to the coverages, contractual conditions, and available elements.

Check your multi-risk insurance before winter

Don't wait for a storm to discover the limits of your home's protection. A coverage analysis helps understand if the insurance matches the property's features and your needs.

Count on us to analyze the available options. Contact us, without commitment, to receive a personalized analysis and discover multi-risk insurance solutions suitable for your home.

FAQ

Does multi-risk insurance cover damage caused by storms?

Poupança no Minuto can cover it, provided the policy includes the applicable coverage and the conditions set forth in the contract are met. It is important to check the covered risks, limits, and exclusions.

Does multirisk insurance cover floods?

It depends on the contracted coverages and the origin of the flood. Check the policy to confirm the applicable conditions for your situation.

Are leaks always covered?

No. Coverage depends on the cause of the damage and the contract conditions. Issues related to gradual deterioration or lack of maintenance may be treated differently from damage caused by covered sudden events.

Can I change my multi-risk insurance if I find a better option?

You can look for alternatives, respecting contractual conditions and applicable procedures. If you have a housing loan, also confirm the bank's requirements and the potential impact of changes on loan-related products.

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