Domestic accident: how to report an accident?

In this article we explain how to act in different types of domestic accidents and how to report an accident. Read on!

What to do if you have water damage in your home

First try to understand the origin of the problem, to prevent the damage from increasing. Because of this:

• Close all safety taps and possibly the general water supply;
• Remove excess water, if necessary, with a pump or water vacuum cleaner;
• Ventilate flooded rooms as quickly as possible;
• Raise objects that could be damaged by contact with water above the water level. At the same time, keep them away from walls that have become damp;
• Take photographs of the damage and keep samples of the damaged items that need to be removed;
• Take wet carpets to the cleaners to have them cleaned before the damage becomes irreversible. Keep your laundry invoices.

Claim Reporting – Water Damage

• If the breakage occurred in a common area of ​​the condominium, or in the home of a neighbor who is outside, alert the concierge or the condominium administration;
• If the breakage occurred in exposed pipes installed less than five years ago, notify the plumber who installed it. This must have a five-year guarantee from the date of delivery of the work;
• If the break occurred in a built-in pipe and if your home was built less than ten years ago, call your home warranty. To do this, send a letter with acknowledgment of receipt to the builder or seller of the house, describing the defects found and requesting their repair. The notification can also be made via email, but it is necessary to receive proof of delivery and reading receipt;
• As regards the last two cases, the repair of the pipes, covered by the guarantee, must be carried out by the plumber or builder in question. Even if the work is carried out under legal warranty, request that a work order be given to you and keep all parts that have been replaced;
• If the house is rented, inform the owner. If you are a co-owner, inform the condominium administration;
• Activate your home insurance by reporting a claim via our siteor the General Apps Peace of Mindas quickly as possible.

What to do if the home accident is caused by a fire

In this case, you must:

• Protect the site to avoid looting;
• Protect the house from adverse weather conditions by covering the windows and covering or making holes in the roof or walls, caused by the fire or made by the firefighters;
• Safely store your most precious possessions.

Accident reporting – Fire

• First, if you suspect arson, file a police report;
• If you live in a rented house, inform the owner;
• Activate the Home insurance and report an accident as quickly as possible. In this way the insurer will be able, if necessary, to take the necessary measures to apply conservation and safeguard measures.

What to do if the damage is caused by storm, snow or hail

As in other situations, first of all, prevent damage to your home from increasing.

• Roof damage: Have a professional cover your roof as soon as possible. Clean and ventilate the affected rooms immediately;
• Water inlets: turn off the electrical panel and do not turn it back on until a professional has checked the safety of the installation. Raise objects that could be damaged by contact with water above the water level. Keep them away from walls that have become damp. The key word is “ventilate”;
• Eliminate excess water: if necessary use a pump or a water aspirator;
• Protect the place from theft: use temporary locks or replace broken glass and doors;
• Keep your valuables safe;
• Photograph the damage;
• Take wet carpets to the cleaners to have them cleaned before the damage becomes irreversible. Keep your laundry invoices.

Reporting an accident – ​​Storm, snow or hail

• If the house is rented, notify the owner;
• Report an accident as quickly as possible, under your Home insurance;
• If an expert is called to assess the claim, be present at the assessment and provide the necessary details;
• Retain all evidence (item samples, invoices, photographs, etc.) that reveal the damage and that may help determine its value.

What to do in case of theft or robbery

Report to the authorities:

• Call the police immediately to report the robbery or theft. You must do so within a maximum period of 24 hours;
• Keep proof of filing the complaint. You will need it to report the accident to your insurer.

Protect your home:

• Change broken door locks, but don’t throw them away, because they are evidence that your home has been robbed;
• Check if keys are missing. If so, change the corresponding locks immediately;
• If you live in a rented house, report any damage to doors, windows, etc. to the owner;
• Cover broken windows and close blinds and shutters. Keep them like this until repairs have been made;
• Check to see if your checkbooks or bank cards have been stolen. If so, contact your bank immediately to have them cancelled.

Report an accident – ​​Theft or theft

• Draw up a list of stolen goods and collect as many supporting documents as possible (photographs, purchase or repair invoices, warranty certificates, etc.);
• Report the robbery or theft to your insurer as quickly as possible, without forgetting to attach the document proving the report to the police.

What to do in case of damage to third parties

Civil liability coverage Owner, of your home insurance, covers the damage caused to third parties by the insured or by persons for whom the insured is responsible as owner or tenant/occupier.

How to react

• If the victim holds you responsible for the damages suffered, take note of their contact details;
• Never pay directly to the victim or their insurer;
• Collect testimonies and contacts from people present at the time of the accident;
• If you have suffered damage caused by third parties, ask them for their contact details;
• Keep the damaged goods (if this is not possible, take photographs) and create a list of the items that have suffered damage.

Accident report – Owner’s civil liability

• You have 8 days to report a civil liability accident and activate the Home insurance;
• Keep all the elements that justify the damage and its value;
• Report the accident online or inside App.

💡Important to know:

You should always have with you the mobile numbers of people to contact in case of emergency: police, fire brigade, locksmith, plumber, condominium owner or manager, bank, Generali Agent Peace of mindHome and Family Assistance Line (tel. 217 252 328 | cost of local calls, weekdays from 9:00 to 19:00), etc.

With Generali Tranquilidade you can choose the best protection to protect the four walls of your home! Our Home insurance has coverage for these and other situations. You can choose between 5 levels of protection, from From basic to premium.