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Old 24.06.2015, 16:53
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Insurance covers the cleaning costs when moving out

Hi Boys and Girls,

I would like to check if there is some truth behind this rumor.

I have heard that there are insurances that are covering the costs for cleaning the apartment when you are moving out.

Is it true or another rumor?

Thank in advance!
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Old 24.06.2015, 17:11
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Re: Insurance covers the cleaning costs when moving out

If you had searched you would have found out quicker: the insurance will only pay for repairs (less about Fr 200,- Selbstbehalt), and not the cleaning.
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Old 25.06.2015, 00:11
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Re: Insurance covers the cleaning costs when moving out

I just spoke to my home insurance (smile direct) about this last week. They said they will cover any damage to the apartment after we pay a small deductible. The landlord will create a summary of repair charges, send it to the insurance company and they will pay the landlord.

They don't cover cleaning costs. That would be amazing.
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Old 25.06.2015, 15:28
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Re: Insurance covers the cleaning costs when moving out

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I just spoke to my home insurance (smile direct) about this last week. They said they will cover any damage to the apartment after we pay a small deductible. The landlord will create a summary of repair charges, send it to the insurance company and they will pay the landlord.

They don't cover cleaning costs. That would be amazing.
do you know what counts as "damage to the apartment" ? I have a few walls which are painted a different colour than white (shock!) this was done with the verbal landlord approval and, at the time didn't think about the need to have this in writing.. would that count?

Also, I wonder if you have to have been in the apartment for a certain amount of time for them to pay...
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Old 25.06.2015, 15:36
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Re: Insurance covers the cleaning costs when moving out

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b

do you know what counts as "damage to the apartment" ? I have a few walls which are painted a different colour than white (shock!) this was done with the verbal landlord approval and, at the time didn't think about the need to have this in writing.. would that count?

Also, I wonder if you have to have been in the apartment for a certain amount of time for them to pay...
Even if the landlord lets you paint the walls a different colour, you have to put them back to white (/original) when you leave. In fact, you didn't need landlord approval - you can do whatever you like with the wall colours.

Unless you are saying the landlord explicitly said you could recolour the walls an not revert them at the end? Then it comes down to the honour of the landlord, or witnesses.

Ref paying - standard lifetime of paint is ten years; you pay for whatever period of lifetime should be left, the landlord pays the "used" part of the lifetime. If you have coloured walls that require an extra coat, that cost is all yours.

Last edited by newtoswitz; 25.06.2015 at 15:38. Reason: Added lifetime comments
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Old 25.06.2015, 15:41
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Re: Insurance covers the cleaning costs when moving out

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Unless you are saying the landlord explicitly said you could recolour the walls an not revert them at the end? Then it comes down to the honour of the landlord, or witnesses.

Ref paying - standard lifetime of paint is ten years; you pay for whatever period of lifetime should be left, the landlord pays the "used" part of the lifetime. If you have coloured walls that require an extra coat, that cost is all yours.
Thanks for this.
The landlord actually painted the walls the different colours before I moved in - colours of my choice. There was no mention of what happens a the end of the tenancy but I guess I will get "hit" with "this is how we do it" and need to have them white. So best get the painting brushes out and just do them white and be done with it.

an other one for the other thread : TIS one
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Old 25.06.2015, 15:43
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Re: Insurance covers the cleaning costs when moving out

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b

do you know what counts as "damage to the apartment" ? I have a few walls which are painted a different colour than white (shock!) this was done with the verbal landlord approval and, at the time didn't think about the need to have this in writing.. would that count?

Also, I wonder if you have to have been in the apartment for a certain amount of time for them to pay...
See this thread for more information about what's considered "wear and tear"

Normal wear and tear in apartment
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Old 25.06.2015, 15:45
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Re: Insurance covers the cleaning costs when moving out

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Thanks for this.
The landlord actually painted the walls the different colours before I moved in - colours of my choice. There was no mention of what happens a the end of the tenancy but I guess I will get "hit" with "this is how we do it" and need to have them white. So best get the painting brushes out and just do them white and be done with it.

an other one for the other thread : TIS one
No - actually you did the handover with those colours in place; the onus would then be on the landlord to demonstrate that there was an intention for you to pay to revert them, which it sounds like there wasn't.

If you have a handover document that doesn't mention walls that should be white, and any sort of evidence (photos from the first day?), and they have nothing, they wouldn't have a leg to stand on.

And if the wear and tear is compatible with whatever part of ten years you lived there, no requirement to paint anything.
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Old 25.06.2015, 16:08
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Re: Insurance covers the cleaning costs when moving out

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No - actually you did the handover with those colours in place; the onus would then be on the landlord to demonstrate that there was an intention for you to pay to revert them, which it sounds like there wasn't.

If you have a handover document that doesn't mention walls that should be white, and any sort of evidence (photos from the first day?), and they have nothing, they wouldn't have a leg to stand on.

And if the wear and tear is compatible with whatever part of ten years you lived there, no requirement to paint anything.
The irony of it all is that I have NO hand over document whatsoever as this was a private let and I was foolish enough to trust that it will be OK. I am wondering if I will be now liable for stuff that went on even before I moved in the place (it was built in the 50's and renovated in patches). We shall see but glad to know that the insurance may be able to help here - I would have not thought of that so thanks OP for the tread!
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Old 25.06.2015, 16:53
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Re: Insurance covers the cleaning costs when moving out

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The irony of it all is that I have NO hand over document whatsoever as this was a private let and I was foolish enough to trust that it will be OK. I am wondering if I will be now liable for stuff that went on even before I moved in the place (it was built in the 50's and renovated in patches). We shall see but glad to know that the insurance may be able to help here - I would have not thought of that so thanks OP for the tread!
You might find the landlord is thinking " I have NO hand over document whatsoever as this was a private let and I was foolish enough to trust that it will be OK. "

Personally, I think you have the advantage in this case.
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