Insurance
Home insurance before the repair starts
Household and building insurance is forsikring. The company is a forsikringsselskab. Water damage is vandskade. Storm damage to a roof is often on the building policy, which for a rented flat may be the landlord’s policy rather than yours.
Ask before the wall comes off
Many policies want you to report the damage, and sometimes to wait for an assessor (taksator), before a firm starts a large repair. Emergency work to stop water spreading is different from rebuilding the bathroom. Tell the insurer which of the two you are doing.
Photograph the damage before anything is moved. Write the date. When the plumber invoices, keep the line that describes the emergency visit separate from later renovation. The insurer and the tax deduction do not follow the same rules. A payout from insurance is not the same as servicefradrag.
Words for the call
That reports a water damage at the address and asks whether the repair can start or whether they need to see it first. The tradesperson you hire still needs a normal quote for anything beyond the emergency. Use the plumber guide or the roofer guide for that message.