Risk evaluation

Evaluating risks isn't just important for insurance companies, it also shows you whether and to what extent you might find it necessary to take action.

Risk evaluation

The amount of your insurance premiums depends on the type of house construction. For instance, houses with solid masonry construction and a roof made of hard materials such as tiles are inexpensive to insure, while wood-frame homes or those with a flat roof with flexible sealing are considerably more expensive.

Dangers

Find out which dangers threaten your home and piece of property and, in your own best interest, make these as «storm-proof» as possible. Cantonal building insurance agencies offer local information and advice. You can also get useful information from the cantonal building insurance agencies.

Other sources for your own research include, for instance, the hazard maps for the communities; these record the risks of floods, ground settling, rockfalls, avalanches, etc. These hazard maps are continually updated. Make sure that you stay on top of things. Likewise informative are flood hazard maps and information from the community fire brigade and local residents.

Be sure to get some good advice

As soon as you are able to better estimate the risk, consider the best measures to take to deal with severe weather. Prevention pays off. There are certainly no foolproof solutions, but even so it's worthwhile, for example, to keep a building well maintained, especially the building shell (roof, façade). Get advice from experts.

Preventive measures pay off

Large, leaning or diseased trees near a house should be cut down. Doors and windows should be watertight. Electricity meters and distribution systems, washing machines, dryers, heating systems and building services equipment should either be placed up high or not even be installed in a cellar at all.

Heating oil tanks must be secured against buoyancy or tipping over. Above all, secure openings at ground level such as lighting shafts and cellar windows. By the way, environmentally dangerous materials such as chemicals, paint, thinners, etc. should be placed at a flood-proof height.

Information about danger assessments, about prevention assessments and about natural hazards in general is available from the Building Insurance Agency of the Canton of Zurich.

Make sure you're forewarned

By subscribing to a weather alarm service you receive a severe weather warning promptly via SMS for each region of interest.