A day like any other… or is it?

Monday morning, 8:47 a.m.
Jonas, a freelance digital marketer, starts his day with his usual setup: laptop, flat white, and three too many open browser tabs. But even before the first ad converts, something else converts – his office floor transforms into a paddling pool .

A burst hose on the dishwasher in his home office kitchen unit caused a spontaneous mini-flood between the router and MacBook .
The nightmare of anyone who lives by technology and deadlines.

💦 The damage story: From online pro to Aquarius

Within minutes, half the study is flooded.
Jonas tries to save what he can:

• the laptop (too late),

• the microphone for his podcast (prone to short circuits),

• and its deadline (RIP).

He reports the damage to his insurance company.
The response:

"Water damage? Yes, but unfortunately that's not covered by home insurance because the office is also used for commercial purposes."

In short: the insurance company says "No" , Jonas says "Why me?"
and the desk just says "blubb" .

🧠 The insurance company reacts – and so does Jonas

What follows is a ping-pong of forms, deadlines, and technical terms that sound like they came from an SEO tool from the 90s:
"deductible", "unit of use", "special risk for businesses".

Jonas realizes: This won't work without professional help.
And that's exactly where claims assistance in.

🦸‍♂️ Damage repair saves the day (and the MacBook)

One phone call, a brief description – and the claims assistance team takes over.
They check which insurance policy actually applies,
coordinate communication with the claims adjuster
, and ensure that Jonas doesn't get bogged down in paperwork (or water).

Result: The regulation is underway, the costs for technology, flooring and furniture are recognized ,
and Jonas can concentrate on his ads again instead of files .

He later summarized it like this:

"Without accident relief, I probably would have needed a boat rather than an office." 🚤

💬 Conclusion: Damage has occurred. Help is optional – but wise.

Whether it's water damage, a tech crash, or liability chaos – anyone who works digitally should also protected in the analog world .
And if something does leak, smoke, or slip, a professional who knows how to get insurance companies to pay out .

🚀 Secure your free initial assessment now

Do you work independently from home or with clients on-site?
Then take advantage of my free initial assessment – ​​before the damage occurs.