‘Voorkom brand. Haal je smartphone ‘s nachts uit de oplader’

Stormschade: wat kun je claimen bij je verzekeraar?

6 november 2017

Het Noorderlicht

10 november 2017

8 november 2017

Hoewel er vorig jaar een afname van het aantal brandclaims was, neemt het risico op brand juist toe. Dat blijkt uit de jaarlijkse Risicomonitor Woningbranden van het Verbond van Verzekeraars. Ongeschikte opladers van smartphones en tablets zijn vaak de oorzaak. Het advies luidt van het Verbond: laad je telefoon liever niet ‘s nachts op.

In 2016 kwamen er bij de verzekeraars in totaal 103.657 claims binnen waarbij brand de oorzaak was van de schade. Een daling ten opzichte van een jaar eerder. Dat komt waarschijnlijk omdat er in 2016 minder dagen met heftig noodweer waren. De cijfers laten wel grote regionale verschillen zien.

Verschillen tussen regio’s

In de zuidelijke provincies waren er minder claims dan het jaar ervoor, ondanks het heftige onweer dat Oost-Brabant en Midden-Limburg trof op 23 juni. In het oosten van Nederland steeg juist het aantal brandschades. Met name in de provincies Overijssel en Drenthe en de steden Zwolle en Enschede. Opvallend genoeg belden inwoners van Delft en in Amsterdam het minste met hun verzekeraar over brandschade.

Elektra vaker oorzaak van woningbrand

Ondanks de afname komt brand nog steeds vrij vaak voor. En elektrische apparaten zijn steeds vaker oorzaak van branden in huis. Dat komt door oververhitting of kortsluiting, met brand tot gevolg. Het Verbond van Verzekeraars zag dat ongeveer de helft van de 100.000 brandclaims van vorig jaar gerelateerd is aan elektra. Hoe meer apparatuur je hebt, hoe meer risico je dus loopt op woningbrand.

3 tips om woningbrand te voorkomen

Het Verbond van Verzekeraars komt in de Risicomonitor Woningbranden met een aantal praktische tips:

Laad je telefoon of tablet bij voorkeur niet ’s nachts op en als je niet thuis bent.
Leg je telefoon of tablet tijdens het opladen op een niet-brandbare plek.
Gebruik een goede stekker. De goedkope opladers zijn vaak juist niet veilig.

Het is altijd beter om de stekker uit het stopcontact te halen op het moment dat je apparatuur niet gebruikt, zoals je koffiezetapparaat of waterkoker. Dat geldt dus ook als je telefoon of andere apparatuur volledig opgeladen is. Zo voorkom je doorladen, met oververhitting en brand als mogelijk gevolg.

Brandschade is verzekerd op alle particuliere inboedel- en opstalverzekeringen. Als je bij brand alles verliest, dan is het belangrijk dat je voldoende vergoeding krijgt om je leven weer op te bouwen. Daarom is het belangrijk om periodiek een inboedelwaardemeter in te vullen. Daarmee voorkom je dat je onderverzekerd bent.

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