Damage at home: what to do

Right away

1. Turn off the water at the main valve and, if water is near sockets, the electricity.
2. Photograph the damage before you clean or move anything.
3. Move furniture and valuables to safety; mop up the water.
4. Call your insurer: many run a 24/7 assistance line.

Deadline

For water damage, Luxembourg insurers often ask for the claim within 8 working days. Check your contract; for large damage the insurer sends an expert first.

How FACTOTUM helps

1. When booking, tick “insurance claim” and say what happened and when. We show you the reporting deadline.
2. The handyman sends a quote. Nothing starts without your approval. If an expert is coming, the handyman waits.
3. The handyman takes photos before and after, with date and time.
4. After the work you download one PDF: claim, quote, invoice with VAT, materials and photos.

What your insurer asks you for

• Photos of the damage before the repair, with date and time, and a few photos after the work.
• An estimate before the work: what will be done, how many hours or m² and the price.
• The invoice with VAT, the tradesperson’s name and business permit, and the receipts for materials.
• Report the claim as soon as possible; the exact deadline is in your contract (often 8 working days).
• Limit the damage (turn off water, power) and do not throw anything away before the insurer agrees.

Official rules in Luxembourg:

• Law of 27 July 1997 on the insurance contract (Legilux)
• Commissariat aux Assurances — supervisor and complaints