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However, the total amount of damage exceeded HUF 5 billion. In terms of natural disasters, storm-related damage was the highest in 2025 (more than 24,000), followed by damage reports related to roof leaks and lightning. In 2025, Debrecen and Szeged were the cities most affected by residential storm damage.
In July 2025, decades-old records were broken, thanks to a major storm. The number of claims received by the company was equivalent to approximately one and a half months’ worth of claims during a normal period. According to the insurance company’s data, in Debrecen, where the damage amounted to approximately HUF 400 million.
“It is important to report the damage as soon as possible after it is detected, preferably online, so that the damage can be processed as quickly as possible. It is also important to document the damage caused by the storm with photos and videos. If we have suffered damage, it can be settled in a matter of minutes using video damage assessment with a smartphone. The assessment can take around 5-7 minutes for property damage and 10-15 minutes for vehicle damage. If the damage can be settled based on the video call, the amount of the damage can also be transferred. With the so-called real-time payment, which is initiated immediately, the amount of the damage can be in the account of the injured party within a few minutes,” emphasizes Zoltán Sárkány, claims settlement director at Generali Biztosító Zrt.
According to the expert, in addition to the above, it is also important to note that coverage for the most common types of damage (storm, burst pipes, water damage, fire, glass breakage) are basically part of home insurance, but in many cases the sum insured is lower than the actual reconstruction or replacement value at the time of the damage – this is called underinsurance.
To avoid this, it is worth reviewing your insurance from time to time and updating the so-called reconstruction value per square meter, taking into account any price changes that have occurred in the meantime.
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