Those who have suffered injuries in connection with blasts face the same insurance conditions as in the case of a fire or a water damage. The compensation is then assessed based on the condition of the house before the damage.
If the house is old and needs to be renovated or rebuilt, the insurance company will make an age deduction that corresponds to the new property standard. According to Mats Galvenius, vice president of the industry organization Swedish Insurance, this means that the house's existing value is reduced and the remuneration is reduced.
'Worrying trend'
According to the police's statistics on detonations in 2023, 38 have been registered in Sweden until mid-March. That's twelve more compared to the first quarter of last year.
Mats Galvenius believes that the number of insurance cases linked to detonations will increase to a similar extent.
"It's a very worrying trend. Each blast not only causes insecurity in society and affects many innocent policyholders. It costs triple-digit millions for insurance companies, says Mats Galvenius at Svensk försäkring.
Risk of more expensive insurance
In order to be able to cover the claims costs, companies may also be forced to increase the price of insurance.
"You have to remember that these blasts often lead to very complex and large injuries, and that takes time. Partly because it is often a crime scene and then the insurance company is not allowed to come there.
Only after the police have lifted the barriers is the insurance company allowed to take over and carry out an inspection to determine what should be rebuilt and demolished.
"I have great understanding that as an insurance customer in such a vulnerable situation, you find this time lapse very difficult.
Hear Mats Galvenius explain why the victim is forced to bear the cost, in the video above