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Old 29.04.2020, 08:46
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Using Responsabilité Civil for Covering Rental Damages

Good Morning.

My situation is the following one:

-) Have already changed our home insurance to our new address;
-) For medical reasons, we had to change our date of moving and our "état de lieu" is now going to take in the "old" apartment, which is no longer covered by the house insurance.

My question is: as I am pretty sure our état de lieu / exit review is going to come up with some damages, am I better off:

-) Trying to communicate with the insurance that we need to change the date on the contract?
-) Claim any damages on the "Responsabilité Civil" part?

Thanks for those who can advise.
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Old 29.04.2020, 18:18
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Re: Using Responsabilité Civil for Covering Rental Damages

I might be wrong but I thought the insurance covers the apartment during the time you lived there, even if the handover is later. Very few people move from one flat to another on the same day, so there's often overlap where you'd need insurance for the old and the new flats at the same time.

Anyone else have a more concrete answer?
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Old 29.04.2020, 19:24
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Re: Using Responsabilité Civil for Covering Rental Damages

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I might be wrong but I thought the insurance covers the apartment during the time you lived there, even if the handover is later. Very few people move from one flat to another on the same day, so there's often overlap where you'd need insurance for the old and the new flats at the same time.

Anyone else have a more concrete answer?
You tell your insurance up to which date you want to insure the old place, and when the new place should be insured if there is an overlap they could bill you double if they please, for some such might take weeks or even months, for others it indeed is all on the same day.

In this situation I would just call them, explain the situation and give them new dates and hope they accept it.
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Old 30.04.2020, 11:45
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Re: Using Responsabilité Civil for Covering Rental Damages

At least in theory you should inform your insurance at the time a damage is caused. That's not necessarily the time it gets fixed, but rather when their liability is created. The insurance will usually accept being informed as a consequence of handover, no biggie.

I just mention this to show that your worries may be completely unnecessary as most damages, if any, got caused before you even thought about informing them about relocating, which in turn would mean that they're covered regardless of any delay in the handover.

For the rest see EdwinNL above.
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