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Old 27.10.2015, 09:58
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Broken sun blinds - who needs to pay?

Hi Guys,

Another question.

On June 2015, I had my sun blinds in the balcony open. It was a sunny day.

Suddenly, started a very strong wind, and even though I run, the sun blind went broken. It is made out of a horrible/ poor quality material.

I called the landlord and he told me he has absolutely NO insurance for any of his small townhouses ( No even fire and water damage insurances, NOTHING! ) and told me I should contact my insurance instead.

I have a pretty good insurance, really good. But they told me it is not my obligation to pay this as the Landlord needs to have an insurance and pay for it.

In Bern all landlords need to have a special insurance agains WIND.

What should I do?

Thank you,

Ruth
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Old 27.10.2015, 09:59
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Re: Broken sun blinds - who needs to pay?

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Hi Guys,

Another question.

On June 2015, I had my sun blinds in the balcony open. It was a sunny day.

Suddenly, started a very strong wind, and even though I run, the sun blind went broken. It is made out of a horrible/ poor quality material.

I called the landlord and he told me he has absolutely NO insurance for any of his small townhouses ( No even fire and water damage insurances, NOTHING! ) and told me I should contact my insurance instead.

I have a pretty good insurance, really good. But they told me it is not my obligation to pay this as the Landlord needs to have an insurance and pay for it.

In Bern all landlords need to have a special insurance agains WIND.

What should I do?

Thank you,

Ruth
Just a note, I took 3 months for the sun blinds to get fixed, so I could literally not cook in my house during day time, neither stay on it. It was extremely HOT.
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Old 27.10.2015, 10:13
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Re: Broken sun blinds - who needs to pay?

He needs to pay it. I know case when was a storm and peoples windows all broke and everything was ruined. And landloard didnt wanted to fix it. So they went on court. Why would you fix it with your money, its not your apartment. You pay your rent.
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Old 27.10.2015, 10:13
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Re: Broken sun blinds - who needs to pay?

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Hi Guys,

Another question.

On June 2015, I had my sun blinds in the balcony open. It was a sunny day.

Suddenly, started a very strong wind, and even though I run, the sun blind went broken. It is made out of a horrible/ poor quality material.

I called the landlord and he told me he has absolutely NO insurance for any of his small townhouses ( No even fire and water damage insurances, NOTHING! ) and told me I should contact my insurance instead.

I have a pretty good insurance, really good. But they told me it is not my obligation to pay this as the Landlord needs to have an insurance and pay for it.

In Bern all landlords need to have a special insurance agains WIND.

What should I do?

Thank you,

Ruth
Rubbish. Building insurance is obligatory in Canton Bern and it must be acquired from the cantonal insurance company "Gebäudeversicherung Bern" (GVB):

"Wer im Kanton Bern ein Haus besitzt, ist verpflichtet, sich bei der Gebäudeversicherung Bern (GVB) zu versichern. Die gesetzliche Minimaldeckung der obligatorischen Gebäudeversicherung umfasst zahlreiche Leistungen – das Fundament für einen umfassenden und verlässlichen Versicherungsschutz bei Feuer- und Elementarschäden."

http://www.gvb.ch/de/home/obligatori...sicherung.html
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Old 27.10.2015, 10:19
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Re: Broken sun blinds - who needs to pay?

I seriously think your landlord is abusing his rights as a Vermieter.
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Old 27.10.2015, 10:21
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Re: Broken sun blinds - who needs to pay?

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Rubbish. Building insurance is obligatory in Canton Bern and it must be acquired from the cantonal insurance company "Gebäudeversicherung Bern" (GVB):

"Wer im Kanton Bern ein Haus besitzt, ist verpflichtet, sich bei der Gebäudeversicherung Bern (GVB) zu versichern. Die gesetzliche Minimaldeckung der obligatorischen Gebäudeversicherung umfasst zahlreiche Leistungen – das Fundament für einen umfassenden und verlässlichen Versicherungsschutz bei Feuer- und Elementarschäden."

http://www.gvb.ch/de/home/obligatori...sicherung.html
So then he is lying to me?

My Insurance told me that at the last case scenario they would pay for me, but that is not correct. Plus I would have to pay a deductable of CHF 200.00. My Insurance advise me not to pay and request him to.
But he keeps telling me that should be my insurance.
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Old 27.10.2015, 10:32
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Re: Broken sun blinds - who needs to pay?

*sigh* You couldn't cook in your house for 3 months because the sun blind was broken?

Anyway, just give the landlord the details and phone number of your insurance company so they can chat between themselves. Also looking at your other thread, you may have anxiety issues - it could be worth a friendly chat with a doctor.
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Old 27.10.2015, 10:41
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Re: Broken sun blinds - who needs to pay?

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*sigh* You couldn't cook in your house for 3 months because the sun blind was broken?

Anyway, just give the landlord the details and phone number of your insurance company so they can chat between themselves. Also looking at your other thread, you may have anxiety issues - it could be worth a friendly chat with a doctor.

Seriously, my house was a oven. I had to cook and shower. I have sun on the front, on the side. Horror ;-)
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Old 27.10.2015, 10:42
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Re: Broken sun blinds - who needs to pay?

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*sigh* You couldn't cook in your house for 3 months because the sun blind was broken?

Anyway, just give the landlord the details and phone number of your insurance company so they can chat between themselves. Also looking at your other thread, you may have anxiety issues - it could be worth a friendly chat with a doctor.
Thank you for the advice, lol, you made me laugh!!!
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Old 27.10.2015, 10:47
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Re: Broken sun blinds - who needs to pay?

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I had my sun blinds in the balcony open
Pay yourself (or via your private household insurance which covers rental flats, too).

The mandatory insurance covers "Sturmwind":
a) by your own admission, you had actively opened the blinds and not tended to them in time
b) "Sturmwind" is a _storm_, not a gust of wind

If the blinds had been _closed_, matters would have been different - in this case, most likely no insurance would pay out and your landlord would have to fund everything out of his own pocket.

Also have a look at https://www.gvb.ch/de/home/schutz-un...sturmwind.html
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Old 27.10.2015, 11:21
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Re: Broken sun blinds - who needs to pay?

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Just a note, I took 3 months for the sun blinds to get fixed, so I could literally not cook in my house during day time, neither stay on it. It was extremely HOT.
Quick question - did you inform your landlord soon after the damage happened?
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Old 27.10.2015, 11:58
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Re: Broken sun blinds - who needs to pay?

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Seriously, my house was a oven. I had to cook and shower. I have sun on the front, on the side. Horror ;-)
Do you have any common sense? You could have stuck up a curtain.
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Old 27.10.2015, 13:10
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Re: Broken sun blinds - who needs to pay?

Simple question - are we talking about blinds on the window (roller or slats), or a sun awning type?

For the former it's clearly the landlord's problem. They may or may not have insurance that covers it, but that is irrelevant to their responsibility.

For the latter, it is the tenants - they are not meant to be left out in heavy rain or wind. Even though the poster says it was poor quality, they also said it was a storm so it's not like it fell down in a light breeze. The tenant may or may not have insurance, again that's irrelevant to who's responsibility it is.
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Old 27.10.2015, 13:41
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Re: Broken sun blinds - who needs to pay?

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On June 2015, I had my sun blinds in the balcony open. It was a sunny day.
This sounds rather like they are shades on and for the balcony itself, similar to these, in which case it's probably yours to pay because you should have withdrawn them.
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