{"type":"document","data":{"id":"4a50f227-58d0-4d81-8f58-8d1fa256f583","localeString":"en-GB","publishDate":"2026-04-22T15:31:47.608+02:00","contentType":"onecms:editorialPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Insure your home against storm or hail damage with ING's home insurance."},"mainHeaderZone":{"componentType":"editorialHeader","coreHeader":{"title":"Home insurance and storm damage: am I properly insured?","subtitle":"Due to climate change, natural disasters that cause storm damage may become more common these days. Hence the importance of being properly insured!"},"backLink":{"textLink":{"url":"/en/individuals/insurance/insure-my-home","text":"Home Insurance"}},"date":"2023-07-17","readingTime":0},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Does the ING fire insurance intervene in the event of storm damage?"},{"componentType":"paragraph","richBody":{"value":"

Yes, of course fire insurance, also called ING Property Insurance , will be covering the cost of damage caused by storm, severe thunderstorms, hail, the weight of snow or a natural disaster.

"}},{"componentType":"sectionTitle","title":"What exactly is meant by storm?"},{"componentType":"paragraph","richBody":{"value":"

By law, a natural disaster is considered a storm when the wind speed is at least 100 km/h (according to the measurements of the nearest station of the RMI).

At ING, we reimburse your storm damage as soon as the wind exceeds 80 km/h. You’re also insured at lower wind speeds if the storm causes damage to other similar homes within a 10 km radius. 

All damage occurring within 72 hours of the first damage you establish is considered part of the same claim.

"}},{"componentType":"sectionTitle","title":"Hail damage and damage caused by the weight of snow or ice is also covered."},{"componentType":"paragraph","richBody":{"value":"

In both cases (storm or hail and snow), the insurance covers not only the damage to your home, but also other elements such as: heat pumps on the roof of the home, solar tents on the building, solar panels and vertical sunscreens on the windows ... All damage to outdoor furniture, playground equipment or garden tools, the cover of the swimming pool, swimming pool roofs are also covered for a maximum amount of 683 euros (indexed). 

If you added the optional Garden insurance to your home insurance cover, the maximum compensation amount is much higher than that 683-euro limit. 

For more details on insured amounts, covered claims, and the exceptions for which we do not intervene,

we recommend that you consult our general conditions of sale or contact ING Assist'Line on +32 2 725 15 00.

Document:

"},"textLinks":[{"url":"https://assets.ing.com/m/ee1ef0d415377d40/original/general-terms-and-conditions-Property-Family-Insurance-EN.pdf","text":"our general conditions (PDF)"}]},{"componentType":"highlight","title":"Did you know?","richBody":{"value":"

You may hear of both home insurance and fire insurane. In fact, these two terms mean and cover the same.

"}},{"componentType":"sectionTitle","title":"Does my insurance cover the damage my home causes to my neighbor’s?"},{"componentType":"paragraph","richBody":{"value":"

If a storm causes damage to your home, ING Home Insurance intervenes. But suppose, for example, that some tiles have flown off your roof and landed on your neighbor's glazing: don't worry, the damage caused by your home to your neighbor's is also covered by the civil liability (CL) of your fire insurance. 

If the damage is caused by your garden furniture, the Family insurance will intervene if you have subscribed to it.

In case of storm damage caused by one of your trees on the neighbor's property, the neighbor's own fire insurance will in principle (only if the convention storm is declared) intervene for the damage suffered. His storm warranty covers the storm damage.

"}},{"componentType":"sectionTitle","title":"Do I have to pay an exemption? And if so, how much is it?"},{"componentType":"paragraph","richBody":{"value":"

250 euros (not indexed) will be deducted from the compensation if the material damage is less than 10,000 euros (not indexed). Consequently, if the damage is less than 10,000 euros, you will have to pay the exemption. If the damage is less than the amount of the exemption, we will not intervene. If there is personal injury, no exemption will be deducted for this damage. Read our article where you will find more information about the scenarios in which you will need to pay the amount of the exemption.

"}},{"componentType":"sectionTitle","title":"How do I prevent storm damage?"},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"sectionTitle","title":"What to do in case of damage?"},{"componentType":"paragraph","richBody":{"value":"

Make sure the damage does not get worse. Take all necessary measures to limit it (such as having a tarp placed on your damaged roof).

"}},{"componentType":"paragraph","title":"We explain how to submit a claim depending on the type of damage:","richBody":{"value":"

You should declare this damage as soon as possible:

  1. Open your ING Banking-app or log on to Home'Bank
  2. Scroll down In the 'Insurances' section, select the relevant insurance
  3. Select 'Make a claim' at the top of the contract page

For emergencies: Call the ING Assist'Line,on +32 2 725 15 00, available 24/7.

"}},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What to do in case of damage to your home?","body":"Discover the video.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c06bd91d-ccc5-4376-9e78-73d30d03d389/home-insurance-after-claim-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/40145b799f88ef22/original/home-insurance-after-claim-1920.jpg","extension":"jpg"},"date":"2020-09-24","link":{"url":"/en/individuals/my-life/housing/declare-damage-home"}}]},{"componentType":"sectionTitle","title":"What immediate help do we offer you after a covered claim (fire, storm, water damage, flood, etc.)?"},{"componentType":"paragraph","richBody":{"value":"

We speak of an emergency when:

We offer you the following support: 

A full description of the insurances, exclusions, and limitations can be found in:

"},"textLinks":[{"url":"https://assets.ing.com/m/ee1ef0d415377d40/original/general-terms-and-conditions-Property-Family-Insurance-EN.pdf","text":"the general terms and conditions (PDF)"},{"url":"https://assets.ing.com/m/2a697096e14027b5/original/IPID-Property-Insurance-EN.pdf","text":"the insurance product information document (PDF)"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The difference between home insurance and family insurance","body":"Home insurance and family insurance are not mutually exclusive. Therefore, we explain the difference between these two types of insurance in more detail.","image":{"transformBaseUrl":"https://assets.ing.com/transform/215ef5b6-0a25-43cc-b1d5-e2f619caf7cb/home-insurance-for-owner-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/2a1525b4553de3a3/original/home-insurance-for-owner-1920.jpg","extension":"jpg"},"date":"2023-07-27","link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-vs-family-insurance-difference"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Home Insurance and water","body":"Water damage due to a leakage or flooding? Your home insurance is ready to help. Find out how here.","image":{"transformBaseUrl":"https://assets.ing.com/transform/16f40536-fbfb-4280-bc2f-2bdd716ce49a/water-damage-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/31fac4697a0acb68/original/water-damage-1920.jpg","extension":"jpg"},"date":"2023-07-27","link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-water-damage"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"What is a deductible in home insurance?","body":"Find out what a deductible or excess means for your home insurance, when you have to pay it and how much the cost can be.","image":{"transformBaseUrl":"https://assets.ing.com/transform/a3e03f56-f902-4972-a3aa-118770e5d8f2/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation","type":"image","width":6019,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/522889674772ad0b/original/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation.jpg","extension":"jpg"},"date":"2023-07-24","link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-excess"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Solar panels and fire insurance","body":"Are solar panels covered by fire insurance? ING answers all your questions.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2e60c12d-2dfc-42a2-9a3c-1e40459efff6/Two-man-workers-install-solar-panels-on-the-roof-tiles-of-a-house","type":"image","width":1920,"original":"https://assets.ing.com/m/70c35f5578b087af/original/Two-man-workers-install-solar-panels-on-the-roof-tiles-of-a-house.jpg","extension":"jpg"},"date":"2023-01-17","link":{"url":"/en/individuals/insurance/insure-my-home/solar-panels-fire-insurance"}}]}]}}}