Elementary damage is damage, which is caused by working the elements at human property. As elementary damage in particular damage is regarded, which is caused by inundations and earthquakes. Elementary damage e.g. is when many insurance. Household insurances and property insurances impossible, not insurable or them are insurable in individual cases only against special bonuses.

Background for the multiples exclusion is that insurance is based on it that the annual premiums are sufficient, e.g. for an insurance against fire damage to buildings to obtain in order to cover all fire damage of the same yearly as well as the administratives expense and a profit.

While now per year on the average only a tiny fraction of all buildings burns down, at one blow thousands of buildings can be damaged with one of the heavy earthquakes extremely rare in Germany, which are possible e.g. in parts of Baden-Wuerttemberg, so that premiums and usual reserves are not sufficient, in order to cover the damage. Necessary therefore enormous reserves or expensive reinsurances are for an insurance, which elementary damage enclosure and has many customers in the endangered area.

An insurance also against elementary damage e.g. offered the fire insurance of Baden and the monopoly property insurance of the GDR.

The damages caused by water often included with furniture insurance and property insurances secure usually only damage by Rohrbruch of water and sewers, not however by inundations.

Articles in category "Elementary damage"

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  Suppose further that endogenously created elementary damage sites are formed at random locations in the DNA. Then, it follows that, in undamaged regions of ...


• BERC Publications: What is a DNA Lesion
  A lesion composed of multiple elementary damage sites is shown ... The symbol for an elementary damage site can be used to define a lesion formula similar ...


• Katrina Damage Update
  DeLisle Elementary received damage from 4 & 1/2 feet of flooding. They lost most of the equipment and materials. PCPS will resume operations on October 17 ...