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Old 28.09.2011, 17:09
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Clarification on House Insurance Claim

Hallo,
I am relocating out of Zurich and leaving my apartments at end of October. I have been staying here in the same apartment for last 4 years and now the time has come for handover to the rental agency. I have a House Insurance from DieMobilar which includes the personal liability Insurance for last 4 years.

I wanted to get information from people who have claimed or have knowledge on how to report or claim from insurance company.

Problem :
The Wash basin in the bathroom in our apartment has cracked and this I had already informed to my rental agency - who said he will replace it and I can claim from the Insurance company. The basin is yet to be replaced and will be done in next 2 weeks.


My Question :
1. Should I report to the Insurance company before replacing the wash basin or should I wait till it is replaced ? I can just call them and ask - but some inputs from you will help.

2. Do the Insurance company give the claim amount without any hassles / deductions ? I understand they do deduct around CHF 200 - but is there any other more deductions ?

3. Should I inform the Insurance company that I am vacating the apartments by Oct end ? I am leaving the country and going by Mid Nov.
Insurance cover is valid till July 2012.


Thanks in advance for answers.

Cheers,
Mankav
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  #2  
Old 28.09.2011, 17:27
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Re: Clarification on House Insurance Claim

Remember to ask for a refund on the 7 months you will not be using.
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Old 29.09.2011, 16:21
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Re: Clarification on House Insurance Claim

Thanks...but someone will please give some input on my points. Thanks again.

Mankav
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Old 30.09.2011, 16:34
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Re: Clarification on House Insurance Claim

Never broken a sink in my life, but how insurance normally works is that you inform them of the damage. They provide a name of a firm who will provide quote to the insurer. They then approve the quote and together with the firm you agree the date for the replacement or fix. For certain inform your rental agent person what is going on as they will want to know the quality of the replacement and repair. They will also want to see the receipt and guarantee.
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Old 30.09.2011, 16:36
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Re: Clarification on House Insurance Claim

btw. Check your insurance documents. You may have to pay an excess fee
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Old 01.10.2011, 18:06
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Re: Clarification on House Insurance Claim

Hi EarMe,
Thanks for your useful comments. Will check with the rental agency tomorrow and proceed further.

Cheers,
Mankav.
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