{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/283e551e1a232377/original/how-do-you-file-a-statement-of-claim-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/225e3054-51d7-4013-8450-0797f9bfb007/how-do-you-file-a-statement-of-claim-1920","type":"image","width":1920},"intro":"Discover how to make a claim.","link":{"url":"/en/individuals/insurance/notify-claim"},"title":"Troubles caused by the floods?"},{"body":"Home insurance and family insurance are not mutually exclusive. Therefore, we explain the difference between these two types of insurance in more detail.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-07-27","image":{"extension":"jpg","original":"https://assets.ing.com/m/2a1525b4553de3a3/original/home-insurance-for-owner-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/215ef5b6-0a25-43cc-b1d5-e2f619caf7cb/home-insurance-for-owner-1920","type":"image","width":1920},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-vs-family-insurance-difference"},"title":"The difference between home insurance and family insurance"},{"body":"Insure your home against storm or hail damage with ING's home insurance.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-02-03","image":{"extension":"jpg","original":"https://assets.ing.com/m/1b2030a12b102599/original/A-woman-laughs-because-the-wind-blows-her-umbrella-over-at-the-harbor.jpg","transformBaseUrl":"https://assets.ing.com/transform/a823b51a-a8d0-4fec-b3bb-9788016e406a/A-woman-laughs-because-the-wind-blows-her-umbrella-over-at-the-harbor","type":"image","width":1920},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-storm-damage"},"title":"Home insurance and storm damage"},{"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.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-07-24","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/522889674772ad0b/original/Young-female-neighbors-talking-from-apartment-windows-during-covid-19-isolation.jpg","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},"link":{"url":"/en/individuals/insurance/insure-my-home/home-insurance-excess"},"title":"What is a deductible in home insurance?"},{"body":"Are solar panels covered by fire insurance? ING answers all your questions.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-01-17","image":{"extension":"jpg","original":"https://assets.ing.com/m/70c35f5578b087af/original/Two-man-workers-install-solar-panels-on-the-roof-tiles-of-a-house.jpg","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},"link":{"url":"/en/individuals/insurance/insure-my-home/solar-panels-fire-insurance"},"title":"Solar panels and fire insurance"}],"componentType":"cards"}]},"contentType":"onecms:editorialPage","flexPageMetadata":{"afmBanner":false,"description":"Water damage due to a leakage or flooding? Your home insurance is ready to help. Find out how here.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Does my home insurance policy cover water intrusion or leakage?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>Yes, your ING home insurance policy, also known as fire insurance, covers water damage to your home and contents, whether it&apos;s a broken roof tile causing rain to enter your home, or a burst pipe in your bathroom causing mold in an adjoining bedroom. In many cases, your insurance will cover the cost of repairing and restoring your home.</span></span></span></span></p>"}},{"componentType":"sectionTitle","title":"What types of water damage are included in my personal property coverage?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>Your home or fire insurance primarily covers water damage caused by issues with a pipe, a water leak, water seeping through the roof, or water leaking from your plumbing or faulty electrical appliances. </span></span></span></span></p><p><span><span><span><span>Damage caused by the following is also covered:</span></span></span></span></p><ul><li><span><span><span><span>water seeping through the roof or exterior walls. </span></span></span></span></li><li><span><span><span><span>mold (such as merula) up to €25,000 (indexed amount). Your insurance also covers the cost of neutralizing mold and repairing damage caused by mold. </span></span></span></span></li><li><span><span><span><span>leakage from silicone joints or tile joints in the bathtub or shower. </span></span></span></span></li><li><span><span><span><span>leaks, overflows, or breaks in aquariums or water beds.</span></span></span></span></li></ul><p><span><span><span><span>A complete list of all types of damage covered, plus any exceptions, can be found in our general terms and conditions of sale.</span></span></span></span></p>"},"textLinks":[{"text":"General terms and conditions of sale","url":"https://assets.ing.com/m/ee1ef0d415377d40/original/general-terms-and-conditions-Property-Family-Insurance-EN.pdf"}]},{"componentType":"cta","textLink":{"text":"Discover our Home Insurance","url":"/en/individuals/insurance/insure-my-home"}},{"componentType":"sectionTitle","title":"Is flooding damage also covered?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>Yes, water damage caused by leaks or water intrusion falls under the water damage coverage. Damage caused by flooding, on the other hand, is in principle part of your natural disasters coverage, but both coverages are included in basic home insurance.</span></span></span></span></p>"}},{"componentType":"highlight","richBody":{"value":"<p><span><span><span><span>The following cases are not covered by home insurance: </span></span></span></span></p><ul><li><span><span><span><span>moisture damage to walls caused by rising moisture (surface water or groundwater) or seepage through basement walls</span></span></span></span></li><li><span><span><span><span>damage to boilers causing the covered damage</span></span></span></span></li><li><span><span><span><span>damage to roofs through which water has infiltrated. The cost of detecting roof leaks will also not be reimbursed.</span></span></span></span></li></ul>"},"title":"What types of water damage are not covered by my fire insurance policy?"},{"componentType":"sectionTitle","title":"What should I do if I have water damage?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span><span><span>You should declare this damage as soon as possible:</span></span></span></span></span></span></span></span></p><ol><li><span><span><span><span><span><span><span><span>Open your </span></span></span></span><span><span><span><span><strong>ING </strong></span></span></span></span><span><span><span><span><strong>Banking-app</strong></span></span></span></span> <span><span><span><span>or </span></span></span></span><span><span><span><span>log on </span></span></span></span><span><span><span><span>to </span></span></span></span><span><span><span><span><strong>Home&apos;Bank</strong></span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>Scroll down In the &apos;</span></span></span></span><span><span><span><span><strong>Insurances&apos; </strong></span></span></span></span><span><span><span><span>section, select the relevant insurance</span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span>Select &apos;</span></span></span></span><span><span><span><span><strong>Make </strong></span></span></span></span><span><span><span><span><strong><span>a claim</span></strong></span></span></span></span><span><span><span><span><strong>&apos;</strong></span></span></span></span><span><span><span><span> at the </span></span></span></span><span><span><span><span><span><span>top of the </span></span></span></span></span></span><span><span><span><span>contract </span></span></span></span><span><span><span><span><span><span>page</span></span></span></span></span></span> </span></span></span></span></li></ol><p><span><span><span><span><strong>For</strong></span></span></span></span><span><span><span><span><strong> emergencies</strong></span></span></span></span><span><span><span><span><strong>: </strong></span></span></span></span><span><span><span><span>C</span></span></span></span><span><span><span><span>all the ING </span></span></span></span><span><span><span><span>Assist&apos;Line,on</span></span></span></span> <a href=\"tel:+32 2 725 15 00\"><span><span><span><span>+32 2 725 15 00</span></span></span></span></a><span><span><span><span>, available 24/7.</span></span></span></span></p>"},"title":"We explain how to submit a claim depending on the type of damage:"}]},"hasMacro":false,"id":"281f17a9-a1c2-4aa6-bd84-6365fc071c59","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Home Insurance","url":"/en/individuals/insurance/insure-my-home"}},"componentType":"editorialHeader","coreHeader":{"body":"Home sweet home. Whether you live in an apartment in the city center or a villa in the countryside, your home is undoubtedly your favorite place to be. Therefore, when water damage destroys that beloved cocoon, it can have a huge impact on your life. Fortunately, you can count on your home insurance to help you and reimburse the cost of repairing or renovating your home after damage.","title":"Home insurance and water damage"},"date":"2023-07-20","readingTime":3},"publishDate":"2023-07-27T17:01:40.812+02:00"}}