Submit your claim to your insurance company
If you want to receive compensation from the Danish Storm Council after a flood from a waterway or a lake, there are various things you need to do.
The first step is to submit your claim to your insurance company. You must submit the claim to your insurance company, and compensation from the Danish Storm Council is subject to the damage not being covered by your general insurance.
If the damage is not covered by your general insurance, your insurance company will ensure that you receive and complete a claim form for the Danish Storm Council.
The Danish Storm Council cannot process the case before your insurance company has refused to cover the claim. Another condition is that the property damaged must be insured against fire.
The Danish Storm Council's secretariat receives your claim
You will receive a receipt when the Danish Storm Council's secretariat has received your flood damage claim from your insurance company. You will also be given guidance about how the case will proceed, and contact details for your case officer in the secretariat. In the receipt you may also be asked to provide further information on the damage.
The Danish Nature Agency assesses your case
When all necessary information has been obtained, the Danish Nature Agency will assess whether your damage meets the conditions for coverage under the scheme. The condition for receiving compensation is that the water level in the waterway or lake must have been at a rare high. This water level must not occur more frequently than every 20 years. And the flooding must be from a waterway or a lake. The Danish Nature Agency has technical equipment and the expertise to assess this.
A loss adjuster inspects the damage
A loss adjuster will contact you to arrange a time for inspection of the damage with you. The loss adjuster will prepare a report with a statement of the value of the damage. You should be aware that the loss adjuster represents the Danish Storm Council in this context and not the insurance company. This is the case even if the loss adjuster will often be connected to your insurance company in other contexts.
Damage statement/loss adjuster's report
When the loss adjuster has inspected the damage with you, the loss adjuster will prepare a statement of the damage. The loss adjuster sends the report to you and you have 14 days to make any comments and ask any questions. After this 14-day period, the loss adjuster sends the statement to the Danish Storm Council's secretariat with any comments made by you.
The Danish Storm Council makes a decision on the case
The Danish Storm Council's secretariat sends a decision to you, stating whether you can receive compensation for your damage. The Secretariat assesses this on the basis of the loss adjuster's statement and the other information in the case.
The Danish Storm Council also decides on the amount of compensation you can receive. This is done on the basis of the loss adjuster's statement of the damage, and you are notified when the compensation is ready for payment.
Payment of compensation
When the Danish Storm Council pays compensation, it does so in order that you can restore the property damaged. Consequently, you generally do not receive compensation as a sum total, but as amounts intended to pay for the repair of specific items of damage. For some damage, compensation is paid only when you have submitted an invoice for the repair.
For movable property (contents, etc.) and for small contracts, you can receive compensation immediately, i.e. without having submitted an invoice. However, you should still be aware that the money must be used to repair the damage for which it is intended. If the damage is not repaired, the Danish Storm Council may demand that you repay the money received.
If you are a tradesman yourself or if you want to repair part or all of the damage yourself, it is possible to have the compensation recalculated so that you can do the work yourself. However, please note that you only receive compensation for materials and an hourly rate of DKK 80. Notify the secretariat if you want this type of compensation.
If you want a cash amount in final settlement of the compensation, you can also receive cash compensation. This is calculated at a lower value, market value, and may not exceed the value of your actual loss.
Your damage is registered in the BBR building and housing register
When you receive compensation from the Danish Storm Council for damage to a building, it is registered in the BBR building and housing register. This means that it is possible to see that the building has been damaged by flooding. This also means that you will have to pay a higher excess for future claims. The registration covers all buildings that are insured under the same fire insurance policy as the damaged building.
The case is closed
Your case will remain open at the Danish Storm Council until all compensation has been paid or the case has become statute-barred.
When the Danish Storm Council's secretariat has paid the total compensation to you, you will be notified that you cannot receive further compensation and that the case is being closed.
Your case can become statute-barred
You should be aware that your claim for compensation from the Danish Storm Council is statute-barred after 3 years. This means that you must ensure that you have repaired your damage no later than 3 years after you were notified by the Danish Storm Council that you could receive compensation. If this is not possible, and changes occur in the case, you must notify the Danish Storm Council.