Does It Cover Broken Windows, Flooding, Power Outages & Liability?
Home Insurance Typhoon Rainstorm Coverage
Published on: 18 September 2025 | Last Updated on: 18 September 2025 | Reading Time: 5 minutes
Is Your Hong Kong Home Prepared for Typhoon and Rainstorm Season?
As Hong Kong’s rainy season approaches, unpredictable typhoons and torrential rains threaten homes with water seepage, flooding, shattered windows, and power outages—leaving vulnerable to costly repairs and liability risks. Below, we will explore common home insurance issues related to water seepage, flooding, broken windows, and power outages.
Hong Kong Home Insurance FAQ: Protecting Your Property from Typhoons & Natural Disasters
Q: Does home insurance cover water damage to furniture, home appliances, valuables, and walls caused by water seepage during a typhoon?
A: Yes, your policy covers damage to contents (e.g., household appliances, furniture, personal belongings) caused by typhoon-related water seepage. Contents include household goods and personal effects belonging to the insured or any family member residing with them, in the insured premises. However, structural elements like concrete walls, windows, ceilings, floors, and doors are only covered if the damage affects improvements you installed. For example, damage to wall painting (installed by the insured) is covered, but damage to the concrete/structure of the wall is not covered.
Q: Are broken windows caused by a typhoon covered? What if a loose window falls into the street, causing injuries to someone?
A: Third-party claims caused by a fallen window are covered if it is shattered by typhoons. However, reasonable precautions must be taken before the typhoon to prevent any accident.
Q: Does insurance cover fridge food spoilage or appliance damage due to power cut during a typhoon?
A: Yes, food spoilage or appliance damage due to short-term power cuts during a typhoon is covered. However, gradual deterioration, wear and tear, and depreciation (e.g., aging wiring) are excluded.
Q: Is flood damage from rainwater entering through broken windows covered?
A: Yes, damaged contents (e.g., furniture, electronics) caused by rainwater entering through typhoon-damaged windows are covered.
Common Hong Kong Home Insurance Claims Scenarios
Typhoon Window Breakage Coverage
When a typhoon struck, flying debris shattered Mr. Lam’s window. He documented the damage with photos and contacted Allianz’s claims team via email, leading to efficient processing and quick repairs.
Interior Water Damage
Mr. Ho faced severe water leakage during a typhoon, damaging his walls and paint. Allianz’s Platinum Home Insurance plan covers home assets up to $1.5 million and includes compensation for temporary relocation and accommodation expenses, allowing Mr. Ho to repair his window and ease his financial burden smoothly.
Glass & Wall Damage Coverage
External debris from a typhoon shattered Ms. Wong’s glass wall panels, causing rainwater to damage the adjacent walls. Allianz promptly covered repainting costs, enabling stress-free restoration and quick return to comfort.
Typhoon Shatters Windows & Damages Home Contents
During a typhoon, strong winds shattered Ms. Cheung’s apartment windows, causing rainwater to damage her leather sofa. She successfully claimed repair costs under Allianz Home Insurance’s "Home Contents Protection," covering furniture and appliances (e.g., TVs, pianos, sofas) with up to HK$300,000 per item.
Fire Damage Recovery
After a fire damaged Mr. Chan’s apartment, his mortgage-linked Fire Insurance covered structural repairs, while Allianz Home Insurance reimbursed custom renovations and personal belongings like clothing and appliances.
Fire Insurance covers building structures, whereas Home Insurance protects personal contents. Combining these policies ensures comprehensive coverage, as relying solely on Fire Insurance leaves personal belongings unprotected.
*The above are reference examples; all claims will be reviewed based on actual circumstances. For details, please refer to the terms and conditions in the policy wording.