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Insurance experts say that during the hot season, losses from storms and lightning and rain increase several times compared to other seasons.
Lietuvos Draudimas experts point out that the first time that rescue measures should be taken for the injured population, if it is necessary to call the emergency services and record the event.
Residents can record events in the most convenient way for them, for example, by immediately uploading photos of the event on the self-service website or on the phone number provided.
“Most of the damages are compensated remotely, with inspections based on photos of the event, therefore, it is advisable to take photos of the losses suffered by phone and send them to the insurers,” said Lietuvos Draudimas representatives in the report. .
Mindaugas Ratkevičius, Head of the Property Claims Administration Division of the Ergo insurance company in Lithuania, also ensures that in the event of an event after a rain or storm, it would be good to record the damage first.
“The resident, if possible, can simply take pictures of the damaged property over the phone. Then steps should be taken to reduce the damage. In the event of a flooding of the facility, to draw water, to seal the cavities through which water flows to drain the facilities, “says M. Ratkevičius.
He says that according to photos taken by residents, insurance experts assess whether experts should be sent to the scene for further inspection.
In cases where the property has been damaged by a non-resident object, such as a tree, structure, roof, the event must be registered with the police.
“Rain damage is generally included in the standard optional insurance risks, so if the customer has valid insurance, the damage will be compensated.
Compensation is negotiated with the customer and how convenient it is for the customer is decided as damage can be compensated before or after repair and during repair. The insurance company can pay the repair company or the customer himself, ”says the head of Ergo’s Property Claims Administration.
Hundreds of thousands of losses.
Lietuvos Draudimas reports that 500 company customers reported property or car damage due to the storm, rain and hail on Monday, and nearly 150 more customers were affected by the storm on Sunday. In total, Lietuvos Draudimas allocated half a million euros to compensate for these losses.
“Approximately 150 insured cars were affected: icicles were found in the bodies. Rain damage is also recorded: merged basements, warehouses, basements and assets stored in them. 500 of our clients reported loss of homes,” said Artūras Juodeikis , Director of the Claims Department of Lietuvos Draudimas, on the consequences of yesterday’s storm on the property of the population.
Lietuvos Draudimas estimates that the damage caused by the stormy weather in recent days will cause a loss of 0.5 million euros. Most reports are received from central Lithuania, Kaunas city and district, Kėdainiai, Jurbarkas and Kaišiadorys districts were affected.
The Ergo insurance company was informed that after the storm in Lithuania, more than 150 people who had suffered losses had already applied. The first reports were in Kaunas, Tauragė and Vilnius counties, but damage was inevitable across the country.
According to Ergo, hail and rain have already drawn more than 75,000 people to the property. losses of up to EUR. Claim reports are not silent, and the insurance company predicts that their number will at least double.
“During recurring storms, wind and hail caused the most damage. Residents reported wind-damaged buildings, hail-damaged greenhouses unexpectedly, outdoor gazebos and automobiles. Trees also fell on the latter, and strong rains caused considerable damage to vehicles.
We received reports of flooded residential and commercial premises, and heavy rains washed down the sides of the roads. Due to loss of electricity and surges, electrical appliance failures have been reported, as well as several residents reporting that lightning struck the building and destroyed it, “says G. Matiukas.
Points out mistakes
Weather forecasters continue to predict stormy weather, and insurance experts point out what fundamental mistakes should be avoided.
“If it rains on the road, slow down, drive more distance from other cars, avoid turning. A large amount of water on the road is equivalent to driving on an icy road and can completely derail the car. Also, don’t try to get to your destination at any cost – high water levels can cause considerable repair costs. Leave the car in a safe place, as far away from trees or other objects as possible to tip it over, ”advises G. Matiukas.
Also remember that caution is necessary during a storm at home. Therefore, it is proposed to close the windows, not to leave the skylight open. When lightning strikes, it is advisable to disconnect electrical appliances from the electrical grid, not to touch the metal structures of the house.
Lietuvos Draudimas representatives also ensure that to protect your property, loose objects that can be blown by the wind should not be kept in patios, balconies, terraces; devices. Do not park cars under trees that could tip over if they can be stored in a garage or under a roof to protect against the effects of hail.
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