storm damage

Old Jul 5th 2023, 2:01 pm
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Default storm damage

A large tree on the street fell in front of my property today, and crushed my tenant's expensive custom cargo bike.
Can he get compensation from the city (Amsterdam)?
If so, where should he apply?
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Old Jul 6th 2023, 7:17 am
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Default Re: storm damage

You have to contact Amsterdam council? However, unless the tree was already known that the tree was moving a lot or was previous damaged and previously reported then it is doubtful if they are responsible.
It depends on where the property is and where is the nearest Stadsloket is.
https://www.amsterdam.nl/contact/
I would question why does it not have it's own insurance policy there are loads available. As a last chance maybe it is coved by the house building and/or content insurance.
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Old Jul 8th 2023, 6:07 pm
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Default Re: storm damage

No insurance is available for tenant's goods inside the house, and certainly not on the street.
There has been a lot od searching for that.
Maybe some sort of bike insurance could have been bought, I don't know.

The tree crushed a mobile worker's cabin that was perked there too, and a portapotty. Luckily, most of it fell into an empty street.
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Old Jul 9th 2023, 4:42 pm
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Default Re: storm damage

Originally Posted by liveaboard
No insurance is available for tenant's goods inside the house, and certainly not on the street.
There has been a lot of searching for that. ....
There is no "renters insurance", to cover household possessions of tenants, available in the Netherland? [ETA 2: Or are you only saying that your tenant doesn't have insurance?]

I had renter's insurance when I was in the UK, and it is widely available in the US.

ETA This web site seems to think that "contents only" insurance for renters is commonplace in the Netherlands.
... Most insurance companies in the Netherlands sell separate home contents insurance, which is great if you rent your accommodation and only want to insure your personal possessions.Standard policies typically cover fire damage, storm damage, water damage, theft, and vandalism. ....

Last edited by Pulaski; Jul 9th 2023 at 4:59 pm.
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Old Jul 9th 2023, 6:24 pm
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Default Re: storm damage

It's a houseboat; my tenant said he tried many brokers and none would cover his goods. They would for an apartment or a house, but not for a boat.
My comprehensive owners insurance was also canceled because I no longer reside in the Netherlands (they will cover if the owner lives in a neighboring country but I don't).
I now have an expensive and minimal specialist insurance.

I once had bicycle insurance in the Netherlands; that was a long time ago though.
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Old Jul 10th 2023, 3:36 pm
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Default Re: storm damage

It's his own risk unfortunately if he did not insure it himself. Normally it would be covered by (household) contents insurance, but it was not "on board" at the time so would have been unlikely that it was covered anyway.
In addition he has to ensure that the item in question is sheltered from possible damage. He can try at the local council...good luck with that!! ;-P
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Old Jul 11th 2023, 8:35 am
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Default Re: storm damage

There is no compensation culture here in NL; not like in the UK and nowhere near like in the US. If he or she plans to sue Gemeente Amsterdam over this (good luck with that), the first thing is 'where is your inboedelverzekering'?

It is absolute stupidity not to have a valuable bike insured here and especially in/around Amsterdam for theft/damage; my son has a policy only for his ebike as he relies on it to get to work - it costs around a fiver a month and the insurers sent out a guy to fit a GPS as soon as he took the policy out. This is not part of the inboedelverzekering and is a standalone insurance, easily found on Independer (comparison website)
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