How did the Typhoon damage the car?
TyphoonSays·防御问答 · Impact of life · 更新 at 2026-07-20
Typhoon transit is often accompanied by rainstorms, which not only threaten personal safety, but are also likely to cause property losses to vehicles and houses. facing post-disaster claims, many residents are confused.
车辆受损: 车险怎么赔?
Typhoon causes vehicles to be crashed, flooded or damaged, and relies mainly on the “car damage risk” in commercial vehicle insurance.Since the comprehensive car insurance reform in 2020, the coverage of car damage has been significantly expanded, typically covering vehicle losses caused by natural disasters (such as Typhoon, Rainstorm, Flood).
- 高空坠物砸车If the vehicle is crushed by trees, advertisements or building debris crushed by Typhoon, it falls under the responsibility of the car. Make sure to keep a photo or video of the scene, record the damaged area and the surrounding environment, and report it in a timely manner.
- 涉水行驶与停放被淹If the vehicle is immersed in water in a static state, the insurance company will usually compensate for the entire repair fee. but be aware that if the vehicle is forced to start secondly after the water is turned off, causing the engine to water damage, this part of the loss will often be identified as human expansion loss, the insurance company may refuse.
- 找不到第三方If the vehicle is crashed by an unknown object and cannot find the responsible person, now the car damage risk is usually also covered, without the need to buy separately "cannot find third-party special insurance".
It is recommended that the owner, before the typhoon early warning is issued, try to park the vehicle in an indoor parking lot or open area where there is no risk of high altitude crashes.
房屋受损: 家财险与物业责任
房屋受损的理赔情况相对复杂, 主要取决 at 受损部位, 原因以及是否购买了相关保险.
- 家庭财产保险If you have purchased home insurance in advance, Typhoon caused windows to break, indoor water, furniture and household appliances damages, etc., usually within the scope of the claim. The claim must provide purchase credentials, loss list and scene image information. Please note that some insurance may have compensation limits or exemptions for valuable items such as cash, jewelry, etc. Please read the contract carefully.
- 公total 区域与外墙脱落If typhoon causes outer wall tiles to fall, public total windows to break or roof leakage, this falls under the maintenance category of property management. The property company should activate the public total repair fund or under the property service contract for repair. If the property fails to meet its management obligations (such as failing to strengthen the public total facilities in a timely manner) causes damage to the owner's private property, the owner can claim compensation.
- 开发商质保期For new buildings, if building quality problems (such as severe leakage, structural cracks) arise during the warranty period due to Typhoon, the developer shall be responsible for repairs and compensation.
防灾提示与信息查询
Before the arrival of Typhoon, in addition to checking the insurance coverage, you should be physically protected. reinforcing the doors, cleaning the balcony dirt, reserves of emergency materials are key to reducing losses. at Typhoon during the shutdown of work arrangements, local standards may vary, according to the local government issued. keep an eye on the official weather early warning, according to China Meteorological Bureau's national standards for tropical cyclones, when Typhoon reaches a certain Intensity (such as Typhoon level and above), the destruction force is significantly increased, and special caution is required.
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This article is typhoonsay's original copy content, and the local policy standards are based on the local government's latest release.