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Investing in energy-saving measures is becoming increasingly common. Think of heat pumps, solar panels, insulation and high-efficiency glass. For many homeowners, this is a logical step because of lower energy costs and available subsidies. However, it is important not only to look at the benefits. Modifications to your home to become more sustainable can involve risks.
New installations and systems have consequences for the technical safety, financing and insurability of the home. Good preparation is therefore crucial to prevent problems afterwards.
Those who are going to become more sustainable would do well not only to look at costs and savings, but also at the consequences for installations and safety. New systems can put a heavy load on the electrical installation or cause additional fire risks if they are not installed correctly.
Incorrectly connected solar panels are an increasing cause of fire damage. In 2022, more than 250 incidents where solar panels were the likely cause were reported to one research firm (source: Coolen Expertise).
If you want to become more sustainable responsibly, it is wise to be aware of this and to always report changes to us. This is how we ensure that your home is properly insured.
When renovating or purchasing a home, sustainability is often a logical step. Many measures can be included directly in the financing, such as:
• Heat pumps and solar panels
• Isolation measures
• Energy efficient windows and doors
• High-efficiency glass
It is important that these investments are carried out competently. If installations are not installed or connected correctly, risks arise that may have consequences for the insurance. That's why you should choose certified installers. Maintenance and future costs also deserve attention.
Those who have taken sustainable measures in the past may be dealing with a higher home value. These adjustments can also affect the insurance situation. In practice, it appears that this is not always well coordinated with the insurer or mortgage provider.
Fire damage is being reported more and more often, especially with installations without inspection or monitoring. The Netherlands Institute of Public Safety (NIPV) highlights the risks of technical errors, especially with larger systems.
Therefore, check:
• Whether your home insurance is still up to date;
• Whether the changes in installations have been reported to your insurer;
• What the current value of your home is.
The value of your home affects your risk class. The risk class indicates the ratio of your mortgage debt to the value of your home. If your home value rises, you may fall in the risk class, which may include a lower interest rate.
A sustainable home starts with a thoughtful approach. We will help you find appropriate financing and an insurance solution that suits your situation.
We will contact you as soon as possible for an informal consultation. This way, you can be sure that you are investing sustainably — safely and responsibly.