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Emergency

Water pipe damage: the building insurance is not paying?

Water pipe damage, for example from burst pipes, is among the most common building damage. The building insurance generally covers damage from tap water escaping contrary to its purpose. In the settlement, what matters is timely reporting, mitigating the loss and the exact scope of cover.

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Your chances of getting your money back

The building insurance generally covers damage to the building from tap water escaping contrary to its purpose (masonry, floor covering, permanently installed parts). You have a claim to compensation for the insured damage.
What matters is the immediate loss report and your duty to mitigate the loss (for example turning off the water, drying). If you grossly violate these obligations, the payment can be reduced (§ 28 VVG).

What you should do now

  1. 1

    1. Limit the damage

    Turn off the water, secure valuables and start drying to avoid consequential damage.

  2. 2

    2. Report immediately

    Report the loss to the insurer without delay and document everything with photos.

  3. 3

    3. Clarify the scope

    Clarify what the building insurance covers and what any contents insurance covers (building vs. movable items).

  4. 4

    4. Enforce the payment

    In case of delay or refusal, demand the settlement in writing with a deadline and have a justification given.

How to spot the scam

  • The insurer drags out the settlement over weeks.
  • It is claimed that the damage arose 'gradually' and is therefore not covered.
  • Drying is delayed, which threatens mold.

Frequently asked questions

What does the building insurance cover for water damage?

Generally damage to the building itself from tap water escaping contrary to its purpose, such as masonry, screed, permanently laid floors and installed fixtures. Movable items (furniture, electronics), on the other hand, are covered by the contents insurance.

What do I have to do after the damage?

Limit the damage (turn off the water, dry), report the loss to the insurer without delay and document everything. These loss mitigation and reporting duties are important, if you grossly violate them, the payment can be reduced (§ 28 VVG).

What if the insurer does not pay?

Demand the settlement in writing with a deadline and demand a comprehensible justification of the refusal. Common points of dispute are the cause of the damage and the scope of cover. For larger losses, professional support is worthwhile.

Take action now

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General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.