Iranian Missile Attacks Expose Millions of Israelis to the Dangers of War
As the situation escalates between Israel and Iran, millions of Israelis find themselves vulnerable to the impacts of missile attacks. In response, the government has proposed a system of support and assistance for those affected, albeit with complexities that can leave individuals feeling overwhelmed. According to recent reports, since the onset of hostilities, 10,630 individuals have been evacuated from their homes, while the Compensation Fund has received approximately 32,717 claims. Among these claims, 26,523 are related to property damage, 2,902 for vehicle damage, and 3,268 for damage to personal belongings.
Preparing for Potential Compensation
The Israel Tax Authority has clarified that all residents are automatically insured against war damages at no cost. However, the basic compensation offered can often fall short of the actual value of the damaged property. For residents seeking additional protection, the state offers supplemental insurance for personal belongings at a premium of 0.3% of the property’s assessed value, capped at a maximum of 1,012,991 shekels. For instance, additional contents insurance valued at 100,000 shekels would cost approximately 300 shekels annually. Enrollment for this additional insurance can be completed through an online form on the Israel Tax Authority’s website.
It is crucial for homeowners to note that this supplemental insurance does not cover certain items, including artworks, jewelry, antiques, and cash.
What to Do if Your Home Suffers Damage
In the event of a missile strike causing damage to a residence, officials from the local authority and emergency servstarts will arrive at the scene. If individuals do not encounter a representative at the onset, they should proceed to the nearest crisis center where local officials will record their information to ensure proper support is provided.
If Your Home is Uninhabitable
A local engineer will assess the property’s condition to determine if it is safe for habitation. Should the home be deemed uninhabitable, residents are entitled to temporary housing in a hotel, which includes accommodation and meals at no charge during the assessment period. Alternatively, those who choose to stay with family can receive financial support from the Compensation Fund, up to 4,000 shekels per month.
In Case of Lost Identification
For individuals whose identification documents (ID cards or passports) have been lost or rendered unusable, urgent servstarts are available through the Population Administration offstarts without prior appointment. To obtain a temporary ID, applicants must present two photographs.
State Assistance Following Evacuations
Once a home is declared uninhabitable, residents are eligible for an initial financial assistance package of 500 shekels per person, facilitated through the local authority. This grant is aimed at covering basic needs and essential supplies for all family members living in the property at the time of the incident.
Additional Support from Various Organizations
Several organizations are also providing additional assistance to those impacted. The Friendship Fund offers food vouchers worth 800 shekels, and the Fox Group distributes gift vouchers valued at 1,000 shekels redeemable at its stores. To claim these vouchers, residents must request them from their local authority via the municipal helpline.
Moreover, the Jewish Agency provides a grant of 4,000 shekels to families in critical situations, such as bereaved families, patients hospitalized for more than 48 hours, and those whose homes are deemed uninhabitable. This grant is expected to be transferred automatically to eligible individuals’ bank accounts.
Filing for Compensation
To apply for compensation for damages resulting from missile strikes, residents must submit an online claim to the Israel Tax Authority or contact their helpline. It is crucial to report any damages within two weeks of the incident and to submit a complete compensation claim within three months. A new “fast track” process allows residents to receive a claim approval within seven days, provided the claim does not exceed 30,000 shekels.
What Happens After Filing a Claim?
After submitting a claim, representatives from the Compensation Fund will schedule an assessment visit by a certified appraiser to evaluate the damages and determine compensation. It is important to refrain from making repairs or moving belongings before the appraiser’s visit, although debris such as glass can be carefully cleaned.
Rights of Tenants
Tenants affected by missile damage are entitled to compensation for personal property and alternative housing. However, they must submit their claims separately from claims regarding property damage to the building. Tenants can receive reimbursement for personal belongings, excluding cash, art, and jewelry, while property owners will be compensated for damage to the structure.
Business Equipment and Vehicle Damage Compensation
For business equipment, compensation is calculated based on its market value before the incident, while inventory is reimbursed at the cost without VAT, with proof of ownership required. In cases where vehicles are damaged, residents should seek an assessment from Compensation Fund representatives for repair pre-approval.
Mental Health Support
The National Insurance Institute funds anxiety treatment for affected individuals through “Hosen” centers and clinics at no cost, including online sessions via Zoom. For immediate assistance, individuals may contact the emergency line at 02-6269999 on weekdays from 8:00 AM to 7:00 PM.
Additional Resources and Information
Residents are encouraged to explore the “Reorganizing” website for comprehensive information, guidelines, and essential servstarts for those whose homes have been damaged or rendered uninhabitable. For further assistance regarding claims, individuals can reach the Compensation Fund hotline at 4954*. Local authorities are also available for continuous support throughout the recovery process via helpline 106.
Residents in Tel Aviv can count on the city’s 24-hour servstart center and the “Yachad” digital platform, which allows evacuees to update their whereabouts and specify their needs, facilitating effective governmental and local authority responses.
This guidance aims to ensure that affected Israelis receive the necessary support and navigate the complex process of claims and recovery with clarity and ease