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Water damage

Your insurance cover in the event of water damage

Got water damage to your home caused by heavy rainfall or leakage? Nobody wants that. Fortunately, an home insurance and home contents insurance of ABN AMRO give you good insurance cover against water damage. We will help you repair the damage and get back to living comfortably in your home as soon as possible.

Reporting your water damage: what to expect

Gather your information

Make sure you have your policy number, photos of the damage and any purchase receipts to hand.

Visit from an expert

In the event of water damage, we often send an expert to check the damage to your home with you.

Personal claims settlement

You have a designated contact person who you can turn to with all your questions regarding your claim and insurance.

Reporting damage

Reporting your water damage: what to expect

Gather your information

Make sure you have your policy number, photos of the damage and any purchase receipts to hand.

Visit from an expert

In the event of water damage, we often send an expert to check the damage to your home with you.

Personal claims settlement

You have a designated contact person who you can turn to with all your questions regarding your claim and insurance.

Reporting damage

How we help you in the event of water damage

  • You will have a single contact person who you can turn to with your questions.
  • An expert will visit you to establish the precise extent of the damage together with you.
  • Emergency assistance is available 24/7.
  • If you have emergency repairs, you will be in contact with a company within 2 hours, which will repair the damage free of charge.
  • If the water damage has made your home uninhabitable, we will make arrangements for a replacement property for you.

What is and is not insured?

You are insured for water damage caused by:

  • Rainfall
  • Water flowing from a pipe or sewer 
  • Water flowing from appliances or installations
  • Water flowing from an aquarium or waterbed
View all terms and conditions

You are not insured for water damage caused by:

  • Rainfall through open doors and windows
  • Groundwater or water from your filling hose or garden hose
  • Moisture penetration
  • Not permanently living in your home for more than 4 months
View all terms and conditions

We also reimburse this in the event of water damage

Water damage in or to your home is distressing enough, so we do not want to make things more difficult than they already are. We also reimburse these costs:

  • Costs of locating and repairing water pipes in your home (not in the event of a blocked water pipe)
  • Costs of transporting and storing your home contents if necessary
  • Costs you incur in order to reduce or prevent an acute threat of damage

Frequently asked questions about water damage

Does the insurance cover water damage caused by heavy rainfall or flooding?

If you have water damage in your home caused by heavy rainfall or leakage, this is covered by our home contents insurance and home insurance in most cases. However, we do check whether there has been any negligence.

When is water damage covered by home contents insurance and when is it covered by home insurance?

Suppose your floor is flooded due to a flood or broken pipe. Damage to possessions that are not fixed inside your home, such as a closet, sofa or rug, is insured by the home contents insurance. Water damage to a glued-down wooden floor and damage to the walls is covered by the home insurance.

Do I have a policy excess in the event of water damage?

In the event of damage caused by rainfall or overflowing water, an excess of €220 applies through ABN AMRO home contents insurance. If you took out your ABN AMRO home contents insurance policy before 2006, you do not have a policy excess for this. If you took out the policy between 2006 and 2019, you have an excess of €225. 

If you have opted for a voluntary excess, you will pay it on top of the mandatory excess (if applicable). Please read the terms and conditions through carefully. The policy will specify the amount of your excess.

Good to know

Fire damage to your home?

Fire damage in or to your home is very distressing. Fortunately, an ABN AMRO home insurance policy gives you good insurance cover. Find out what we do in the event of fire damage.

Read more about fire damage

You have storm damage. What happens now?

Incurred damage to your home caused by a storm? That must have been a shock. Find out how we help you repair the damage as soon as possible and provide safe accommodation.

Read more about storm damage

Home insurance policies

ABN AMRO's home contents insurance and home insurance policies insure you against damage to your home and possessions caused by fire, storm, flooding or a burglary.

View the home insurance policies

Other useful pages