The storm risk in the Netherlands can increase if the climate changes extremely and the global temperature rises by 4.5 °C. With a smaller temperature increase, the KNMI expects little change in the number of storms (wind force 9, 10 and 11) and the strength of storms. Tornadoes (wind gusts with a speed between 120 and 250 kilometers per hour) and hurricanes (wind force 12) are rare in the Netherlands. It is still uncertain whether the number of tornadoes and hurricanes will increase.
In the current climate, periods occur with a lot of extreme wind, interspersed with periods when it storms little. The greatest damage occurs during storms in summer and autumn. The trees are then full of leaves and catch a lot of wind.
Private
Dwelling
Assured:
- Most private home insurance policies cover storm damage. This applies to the house, the content of the house and fences.
- Sometimes there is a maximum compensation for damage to objects attached to the home.
- Often there is a deductible.
Not insured:
- Damage due to poor maintenance.
Car
Insured, provided that there is a hull or all-risk insurance:
- Damage to the car due to wind force 7 (14 m/s) or higher.
- No influence on bonus/malus scheme.
Usually not insured:
- Damage to the car due to wind force 1-6.
Businesslike
Buildings and inventory
Optional insurance:
- Damage to buildings and inventory.
- Business interruption.
- Damage to fences.
- Damage to objects attached to buildings (there may be a maximum compensation).
- Damage due to poor maintenance.
- Often there is a deductible.
Not insured:
- Damage to forests, crops and the like (there are other insurances for that).
- Damage to property on the premises.
Company car
Insured, provided that there is a hull or all-risk insurance:
- Damage to the car due to wind force 7 (14 m/s) or higher.
- No influence on bonus/malus scheme.
Not insured:
- Damage to the car due to wind force 1-6.
The information on this website is based on the often standard applicable extensive conditions. It is possible that you and your insurer have deviated from this.
This product is made possible by the Ministry of Infrastructure and Water Management.
