It seems to happen at least once every spring and autumn these days: a violent storm rages across our country, leaving a trail of devastation. From blown-over fences to shattering windows and trees falling on houses.
It could happen to you too. So make sure you are well insured. We are here for you day and night.
"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/5113cca0-f1b0-4f70-9094-f827ad3efb3b/home-insurance-owners","original":"https://assets.ing.com/m/4e282309aaeac128/original/home-insurance-owners.png","extension":"png"}},{"componentType":"accordion","accordionList":[{"title":"When is something considered a storm?","richBody":{"value":"We speak of a storm when the wind force is 7 or higher.
"}},{"title":"Tip: Check how you are currently insured for storm damage","richBody":{"value":"To avoid unpleasant surprises, we recommend carefully checking what is and isn't covered by your insurance for storm damage. Before it comes to that. And do this immediately as well for water damage, fire, burglary or theft.
View the policy conditions via ING for storm damage and more
"}}]},{"componentType":"sectionTitle","title":"Storm damage insurance: how it works with ING"},{"componentType":"paragraph","richBody":{"value":"
Are you dealing with storm damage right now? Then quick action is sometimes needed.
"}},{"componentType":"promotionalBanner","icon":{"transformBaseUrl":"https://assets.ing.com/transform/74c1b589-f7fc-4077-a769-16721598e71d/Circle-Bell-ringing-2","type":"image","width":64,"original":"https://assets.ing.com/m/756886950ca44ee0/original/Circle-Bell-ringing-2.svg","extension":"svg"},"body":"The right assistance and handling of your storm damage via your ING Home Insurance (contents and/or buildings).","bodyBold":"Read the answers to the most important questions directly below.","date":{}},{"componentType":"accordion","accordionList":[{"title":"Step-by-step plan for storm damage: what do you do first?","richBody":{"value":"Use this step-by-step plan for storm damage:
Important:
which coverages and deductible you have chosen for your ING Home Insurance (which consists of ING Contents Insurance and ING Building Insurance).
Read the policy conditions
Review thoroughly before hiring a repair company. That way, you know what will be reimbursed.
A storm can cause quite a bit of debris. Think of: a blown-over fence or shattered roof tiles on your patio.
Before the storm damage is repaired, you can already start cleaning up. But… always make sure you have taken photos. This way, we can properly assess the storm damage.
View the policy conditions for storm damage.
"}},{"title":"Waiting for damage repairs: what now?","richBody":{"value":"
Sometimes it takes a while before storm damage can be properly repaired. In that case, make sure you have a temporary solution. Think of: a wooden board in front of a broken window. This will prevent further damage.
Is this emergency measure necessary to prevent further damage? Then those costs will also be reimbursed. Consider the example: you need to buy a wooden board at a hardware store.
View the policy conditions for storm damage.
"}},{"title":"Storm damage repair company: arrange it yourself or through the insurer?","richBody":{"value":"
Before engaging a repair company, it is important to know whether it is an emergency.
It is an emergency.
Call our Emergency Center: 088 66 33 444 (available day and night). Together with you, we will look for the best solution.
It is not an emergency.
Are you unable to repair the storm damage yourself? Then you can call a repair company yourself. Only report your storm damage once you know what the repair costs are. As proof, include a copy or photo of the quote from the repair company. This way, your damage report will be processed immediately in most cases.
View the policy conditions for storm damage.
"}},{"title":"Storm damage to fence: what now?","richBody":{"value":"
Has your fence blown over or been damaged by, for example, flying branches or roof tiles? Then please note that you are only insured for the damaged parts of your fence.
Repairing storm damage to your fence yourself?
Take photos of the damage and submit them via the ING App or My ING. Do the same for the receipt or invoice for the materials. You will receive reimbursement for the materials and the hours you spend on the repairs yourself.
Having storm damage to your fence repaired by a contractor or handyman?
Take photos of the damage and submit them via the ING App or My ING. Do this for the quote from the company you hire as well.
What if you 'share' a fence with your neighbors?
Officially, we say that a fence stands on the property line. This means that, by law, all co-owners must jointly bear the costs for maintenance, cleaning, and replacement. Your ING Home Insurance will then reimburse 50% of the total repair costs. When providing report damage pass on the total repair costs.
What if you want to replace your fence with a sturdier one?
You are insured against storm damage for the amount needed to restore the fence to its original condition. Do you want a more expensive fence? Then you pay the difference yourself.
View the policy conditions for storm damage.
"}},{"title":"Storm damage to the roof: what now?","richBody":{"value":"
During a storm, the roof of your home or shed can be severely damaged. Think of: roof tiles blowing off the roof or lead flashing coming loose due to the storm.
Do you have ING Buildings Insurance (as part of the ING Home Insurance)? Then you are insured for this storm damage. Is it not an emergency? Then call a roofing company to repair the damage. Install a temporary solution if necessary (think of a tarpaulin to prevent further damage).
Take photos of the storm damage and submit them via the ING App or My ING. Do this for the quote from the roofing company as well.
View the policy conditions for storm damage.
"}},{"title":"Including a quote for storm damage: what to look out for?","richBody":{"value":"
Are you hiring a repair company, contractor, or roofer yourself? Then ensure you include a detailed quote with your damage report. The company must also be registered with the Chamber of Commerce.
A detailed quotation includes, among other things:
The hourly rate
The number of hours required to repair the damage
The VAT percentage
The material costs
Possibly the number of square meters that need to be restored
Important: you are insured for storm damage for the amount required to restore something to its original condition. Are you having other work done in addition to this repair? Or are you choosing more expensive materials, for example? Then please note that this additional work will not be reimbursed. Ensure that the quotation clearly states what constitutes repair work and what constitutes additional work.
View the policy conditions for storm damage.
"}},{"title":"Important for tenants","richBody":{"value":"
Do you rent a home and has your house, garage, or fence been damaged by a storm? Then report this damage to your landlord.
Did you pay for a fence yourself or take it over from the previous tenant for a fee? And do you have ING Contents Insurance? Then you can report damage directly online.
"},"textLinks":[{"url":"/en/personal/insurances/file-damage-claim","text":"File a claim"}]}]},{"componentType":"sectionTitle","title":"Immediately well insured for storm damage"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Contents insurance via ING","image":{"transformBaseUrl":"https://assets.ing.com/transform/845fee43-2259-405b-8329-473e7b696153/girl-teddybear-tea-party","type":"image","width":0,"original":"https://assets.ing.com/m/d25b50fd6c99fca/original/girl-teddybear-tea-party.svg","extension":"svg"},"link":{"url":"/en/personal/insurances/home-insurance/home-contents-insurance"},"checkMarkList":["Household contents insured at replacement value for 10 years","Insured up to a maximum of €150,000","Personal assistance with storm damage available"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Buildings insurance via ING","image":{"transformBaseUrl":"https://assets.ing.com/transform/618fa9c1-9a58-4aec-9f2f-d4fa4881a3ba/home-insurance-tenants-1","type":"image","width":535,"original":"https://assets.ing.com/m/196b00097e372d5d/original/home-insurance-tenants-1.png","extension":"png"},"link":{"url":"/en/personal/insurances/home-insurance/building-insurance"},"checkMarkList":["Your home insured, including coverage against underinsurance","Your garden shed and garage are also insured.","Personal assistance with storm damage available"]}]},{"componentType":"sectionTitle","title":"Personal assistance with storm damage available"},{"componentType":"paragraph","richBody":{"value":"
In the event of storm damage with significant emotional or financial consequences, we go beyond mere compensation. Would you like personal assistance? A claims manager will visit you promptly. They will get to work for you until the storm damage is fully settled.
"}},{"componentType":"paragraph","title":"Partnership with Nationale-Nederlanden","richBody":{"value":"For this non-life insurance, ING works together with Nationale-Nederlanden. ING acts as an intermediary for this insurance and is your trusted point of contact. Through ING, you can take out, view, change, and cancel the insurance. You can also report a claim to Nationale-Nederlanden via the ING app or Mijn ING. Nationale-Nederlanden is the insurer that offers this insurance under the ING brand, exclusively for ING customers. Nationale-Nederlanden collects your premium and pays out any applicable claims. ING receives an ongoing commission for mediating this insurance in the form of a fixed percentage of the premium.
"},"textLinks":[{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"}]},{"componentType":"linkList","iconTitle":{"title":"Documents & information"},"textLinks":[{"url":"https://verzekeringskaarten.nl/ing/inboedelverzekering","text":"Contents insurance card"},{"url":"https://verzekeringskaarten.nl/ing/opstalverzekering","text":"Buildings insurance card"},{"url":"https://assets.ing.com/m/87573396e3d495aa/original/Samenwerking-Nationale-Nederlanden-English.pdf","text":"Nationale-Nederlanden and ING service guide"},{"url":"https://assets.ing.com/m/fbb0108d693fde7/original/Polisvoorwaarden-Woonverzekering-juli-2022.pdf","text":"Home insurance policy terms and conditions (PDF)"},{"url":"https://assets.ing.com/m/71677dcad348e0a6/original/Afschrijvingslijst-ING-20230401.pdf","text":"ING depreciation list 20230401"},{"url":"https://assets.ing.com/m/497fdc9c589fc4f0/original/2336533_INGD_Verschillenoverzichten-Inboedel-en-opstal-2-0-v9-combi_v3.pdf","text":"ING home insurance differences V2.0"}]},{"componentType":"linkList","iconTitle":{"title":"Veelgestelde vragen"},"textLinks":[{"url":"/particulier/verzekeren/verzekertips","text":"Hoe kan ik schade voorkomen of beperken?"},{"url":"/particulier/verzekeren/woonverzekering/woontips","text":"Slimme tips voor je woonverzekeringen"},{"url":"/particulier/verzekeren/woonverzekering/herbouwwaarde","text":"Opstal: welke waarde wordt vergoed?"}]}]}}}