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Een rieten dak, een prachtige verschijning op veel oudere woningen. Toch zitten er wel nadelen aan zoals bijvoorbeeld brandveiligheid. Maar hoe zit het precies met de opstalverzekering voor een rieten dak? Veel mensen denken namelijk dat een rieten dak verzekeren erg duur is. Dat is niet altijd het geval, maar het kan voorkomen dat de kosten hoger liggen in vergelijking met een normaal dak.

Een opstalverzekering rieten dak is niet bij elke verzekeraar mogelijk. Sommige verzekeraars willen het risico niet nemen omdat een rieten dak behoorlijk brandgevaarlijk kan zijn. Een pannendak heeft duidelijk de voorkeur bij verzekeraars.

Bij de meeste verzekeraars kun je alleen een woning met rieten dak verzekeren als de woning zelf van steen is gemaakt. Een houten woning met een rieten dak wordt eigenlijk door geen een verzekeraar geaccepteerd.

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Hoe wordt de premie opstalverzekering rieten dak berekend?

Het bepalen van een premie voor de opstalverzekering rieten dak wordt er gekeken naar de bouwaard van een woning. Het materiaal van de woning wordt dus bekeken, en bij een rieten dak worden de risico’s strenger bekeken. Doorgaans zal de verzekeraar bij een rieten dak wel een hogere premie rekenen.

De hoogte van de premie is afhankelijk van de constructie van het dak. Als het dak zo bevestigd is dat je er van binnenuit tegen het riet aan kan kijken betaal je meer. Dat komt omdat het vuur veel gemakkelijker verspreid wordt. De premie ligt dan ook direct een stuk hoger.

Als je  beschikt over een schroefdakconstructie met een rieten dak krijg je korting op de premie van de verzekeraar. Dit komt omdat deze constructie veel veiliger is. Het riet wordt bij deze constructie namelijk met schroeven op houtenplaten bevestigd. Daardoor is het dak luchtdicht en kan het vuur zich veel minder snel verspreiden.

Korting opstalverzekering rieten dak

Als je naast deze schroefdakconstructie nog meer veiligheidsmaatregelen neemt kun je meer korting ontvangen op de premie van je opstalverzekering. Denk daarbij aan het impregneren van het riet of het aanbrengen van sprinklers zodat het riet bij een brand van binnenuit wordt bevochtigd.

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Voorwaarden verzekeren rieten dak

De voorwaarden voor een opstalverzekering rieten dak zijn duidelijk. Je moet aan deze voorwaarden voldoen om het dak met riet überhaupt te kunnen verzekeren. Dat is prettig voor je eigen veiligheid maar ook voor de verzekeraar. De voorwaarden zijn als volgt:

De keuze voor de opstalverzekering rieten dak is geen overbodige luxe. Wanneer de woning vlam vat zal er hoogstwaarschijnlijk geen blussen meer aan zijn. Laatst is er nog een rieten dak verwoest door brand. Een rieten dak verzekering afsluiten is dan ook een slimme keuze!

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Rieten dak verzekering vergelijken

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Bekijk meer informatie

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Vergelijk onafhankelijk alle opstalverzekering aanbieders

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