Holiday safety checklist

Prevention saves time and hassle. Use our expert checklist for a safe celebration.

🎄 Christmas prevention

LED instead of real wax reduces the risk of fire on the tree by 90%.

Smoke detector check: Test the batteries before the holidays.

🎆 New Year's Eve preparations

Clear the balcony. Do not leave any flammable materials lying around that could be used as launching rockets.

Windows and hatches, especially skylights, are entry points for fireworks.

Frequently asked questions about damage prevention & insurance

Who pays for fire damage caused by the Advent wreath?

Generally, household contents insurance damage to furnishings. Building insurance covers damage to the building itself. Important: Never leave candles unattended, as this could lead to a reduction in benefits due to gross negligence.

What should I do if a rocket has damaged my car?

Fire damage and explosions to the vehicle are covered by partial comprehensive insurance . In cases of vandalism or unknown perpetrators, only fully comprehensive insurance often provides coverage. Document the damage immediately with the Risk-Bot for smooth processing.

Does the insurance cover a burst pipe caused by frost?

Yes, provided you have fulfilled your duty of care. This includes setting the heating in unoccupied rooms to frost protection and draining outdoor pipes in a timely manner. A total heating failure should be reported immediately.

Why should I report damages via Risk-Bot.de?

The Risk Bot uses AI-powered processes to record your claim **24/7 immediately**. Especially on holidays, when insurance offices are closed, this saves you valuable time and ensures complete documentation through guided photo recording.

Damage claim despite checklist?

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