A power outage following a storm? Abnormal electrical voltage due to lightning? An EDF accident? So many events that can damage your electrical appliances? Your insurance, more specifically the electrical damage guarantee, can compensate all or part of the damage to your household appliances, in certain cases.
What do electrical damage warranties cover?
Multi-risk home insurance covers at least electrical damage to the building.
That is to say with regard to the devices integrated into your home, such as heating, VMC, etc.
Sometimes, if the option is subscribed, this guarantee can extend to everything that is plugged into the sockets of the house.
The degradations linked to an abnormal voltage variation are concerned. Typically, damage to your devices due to lightning will be covered.
The warranty is generally excluded when the damage results from an internal defect or problem in the device.
Making use of electrical damage insurance – The steps
- Make sure of the origin of the malfunction.
- Make your statement to the insurer within 5 working days. See how to report your claim.
- Do not take any action without the prior agreement of your insurance.
- If the damage is the result of a power cut, a declaration must be made by your supplier.
- Your insurer details with you the losses suffered by your equipment and equipment. Several cases are possible: either he directs you to a partner craftsman to repair your installations. The craftsman must complete the “Electrical risk damage” declaration and sign it together with you. The insurer can also set up an expertise or have your appliances repatriated to assess the repairs.
- Provide your insurer or the expert with the proof of purchase of what is damaged (invoices, warranties, etc.) and possibly other documents that you will be asked for.
How do I know if my electrical installation is up to standard?
Only an electrician can tell you for sure, but some basic rules are invariable:
- If the accommodation is more than 20 years old and no renovations have been undertaken, it is considered not to be up to standard.
- The dwelling must include a general control and protection device – a main switch – easily accessible
- It must house a differential circuit breaker with a sensitivity appropriate to the earthing conditions
- And it must have overcurrent protection device
My electrical installation is outdated. Am I covered?
The full cost may not be taken into account if the expert finds that your electrical installation is not up to standard check with your insurer.
To protect yourself, adopt a few reflexes:
- Install a differential device
- Replace damaged equipment in your home
- Connect the appropriate number of devices to avoid overloading your installation
- Favor extension blocks with eclipse sockets
- Unplug appliances in the event of a thunderstorm or storm
Having electrical damage warranty alongside with your insurance policy will go a long way by saving you from some expenses.
This also aid at taking advantage of quickly damage electrical appliances.