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  #21  
Old 15.01.2021, 16:20
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Re: Balcony cover shade just collapsed

Is it typical to pay 100%? I think it has to be snow sliding from the roof onto my awning (the tip (about 10% was peeking from under the shelter) as even the manufacturer says it couldn't snap with just some snowfall. I am just wondering how much to push back with the landlord who says it is just for sun and not other protection.
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  #22  
Old 15.01.2021, 16:21
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Re: Balcony cover shade just collapsed

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do you have some insurance such as Haftpflichtversicherung?

this should cover some or all of the cost.
Does it? Because they might call it gross negligence or at least negligence? Assumed Haftpflicht insures you when you do things to others, not insured when you yourself are the cause?
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  #23  
Old 15.01.2021, 16:40
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Re: Balcony cover shade just collapsed

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Is it typical to pay 100%? I think it has to be snow sliding from the roof onto my awning (the tip (about 10% was peeking from under the shelter) as even the manufacturer says it couldn't snap with just some snowfall. I am just wondering how much to push back with the landlord who says it is just for sun and not other protection.
If the manufacturer clearly states that it's ok to leave it open in the snow then it might be a warranty/mounting issue. That would be between the landlord and the company. This has been a pretty big and well publicised snow fall though.

It is of course best practice to close these things in heavy rain, wind, snow etc, their primary purpose is sun protection..

I'm not sure insurance would class it as gross negligence, that's more like drunk driving .. They might go partial or something, depends on the policy and insurer, I mean we all make mistakes and take insurance to cover them.

Personally I'd go with the insurance, maybe point out that the manufacturer says it's ok for snow.. The landlord is likely to simply say it's your problem.
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Old 15.01.2021, 16:42
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Re: Balcony cover shade just collapsed

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Is it typical to pay 100%? I think it has to be snow sliding from the roof onto my awning (the tip (about 10% was peeking from under the shelter) as even the manufacturer says it couldn't snap with just some snowfall. I am just wondering how much to push back with the landlord who says it is just for sun and not other protection.
There's some snowfall and there is heavy snowfall. A heavy snowfall can bring down branches of trees.

Best bet, try your insurance. Possibly contents, possible public liability.
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Old 15.01.2021, 16:52
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Re: Balcony cover shade just collapsed

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Does it? Because they might call it gross negligence or at least negligence? Assumed Haftpflicht insures you when you do things to others, not insured when you yourself are the cause?
this is the same insurance you can claim on when you drill into the walls of your apartment and get charged when leaving, for example.

I would if I was the OP not mention the fact that it was permanently out to protect some furniture from the weather but rather "forgot to wind it in".

Most automatic ones have weather sensors. Which work if they are put in the right place....not the wrong place.
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  #26  
Old 15.01.2021, 17:12
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Re: Balcony cover shade just collapsed

Hi, I did forget to wind it in as I thought it was protected by the permanent overhang. I think it had to be more than the snow accumulated over a few hours and something that fell from the roof (big bunch of snow) as like I said, the manufacturer (who would never say to put it out for snow) but did say that it shouldn't aggressively snap like that. I don't believe I have insurance.
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Old 15.01.2021, 17:15
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Re: Balcony cover shade just collapsed

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Alas, far too few people can do basic math these days.

Tom
And display a total lack of common sense...
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  #28  
Old 15.01.2021, 17:39
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Re: Balcony cover shade just collapsed

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And display a total lack of common sense...
I think most people have some form of an "oops" moment at least once in their lives. But of course, not everyone would be willing to admit it. It's just so much more comfortable to try to project the illusion of being infallible.

It sounds to me like the OP wasn't expecting there to be nearly as much snow as there is.
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  #29  
Old 15.01.2021, 18:02
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Re: Balcony cover shade just collapsed

Check your rental contract and also the "Hausordnung", which often includes what expected behaviour is in the event of inclement weather. I also strongly recommend that you decide on a final story here, you are already modifying your statements within this thread, it's not us that you have to convince, it's your landlord and insurance company. Be aware that you will have to sign on your claim that your statements are true and, depending on how expensive it is, expect them to verify them, possibly by having someone look at the broken blinds. If you don't already have insurance, get some, even though it's too late for it to help with the current mishap.

Just a heads up to avoid another expensive mistake: get yourself the Swiss Meteo app and activate the push notifications for weather warnings in your area. For example, I try my best never to have the window shutters/blinds down when there is hail/a heavy thunderstorm forecast as you are liable for hail damage to them. Another one is strong wind, if one of your windows/glass doors smashes because you left it open in high wind, you could be held liable (although the windows tend to fall within the landlord's responsibility "because reasons", but if your neglect causes damage, that is probably moot). And of course, if your parquet flooring ends up as a bumpy mess because you left the window open and it rained into the room, boom, that's another one that you have to cover. If it's heavy rain, that can even be the case when you leave the window tilted ajar with the special mechanism.

So it's good to know which windows tend not to get the brunt of any bad weather if you are in the habit of keeping them tilted open in your absence. We tend to just have the bathroom windows ajar, a) they are set back far enough for the cats not to try and climb through them and b) if it DOES rain in, everything is tiled and made to have water on it anyway. We also live on the fourth floor, so unless Spiderman has fallen upon hard times, we don't expect anyone to gain access that way.
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  #30  
Old 15.01.2021, 18:23
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Re: Balcony cover shade just collapsed

Great advice! Thanks.
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  #31  
Old 15.01.2021, 19:44
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Re: Balcony cover shade just collapsed

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Is it typical to pay 100%? I think it has to be snow sliding from the roof onto my awning (the tip (about 10% was peeking from under the shelter) as even the manufacturer says it couldn't snap with just some snowfall. I am just wondering how much to push back with the landlord who says it is just for sun and not other protection.
No, the actual damage is the most you'll have to pay, and that is limited by its residual value.

Since you have no 3rd party liability insurance your first stop is the owner and their "GebäudeVersicherung" (building insurance). This insurance covers all kinds of "ElementarSchaden", damage by the nature's elements. For instance, if a roof collapsed under the snow would be covered. Unfortunately your shade is movable so probably ot covered, still it won't hurt to enquire. If the owner doesn't play along you can do so yourself (gvz.ch for Zürich). They can also tell you (reliably as the insurance is public and a not-for-profit insitution) if it's your problem or what might make it someone else's.

Snow fallen from the roof would result in a (partial) lack thereof on the roof above your balcony. Perhaps check beforehand.

Personally, I'd stick with the truth and bite the bullet if I had to, lieing bears the risk of comitting insurance fraud. If found out that's no smalll thing.
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  #32  
Old 15.01.2021, 20:13
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Re: Balcony cover shade just collapsed

Agreed. I will check with a few other manufacturer's (it was a quality and reputable Swiss company) and talk to the building owner again. I do believe it was a large snowfall falling from the roof onto the awning which caused it to snap. I just wonder if it had broken something else of mine what would happen. The amount of accumulated snow would have been from 15:00-2:00am yesterday. However, at least I know it can be fixed and I am glad it didn't slam through my windows and cause even more damage.

I really appreciate all your comments.
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  #33  
Old 15.01.2021, 20:35
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Re: Balcony cover shade just collapsed

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Inappropriately rude - and also inappropriate that a moderator (the normally impeccable Ace1) "liked" the post.

I don't think it's rude but I don't really get it. I suppose it was meant to be funny? Certainly not anywhere near the level of many responses in this forum (either in rudeness or funniness)
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  #34  
Old 16.01.2021, 07:56
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Re: Balcony cover shade just collapsed

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Since you have no 3rd party liability insurance your first stop is the owner and their "GebäudeVersicherung" (building insurance).
That's the second stop. First stop is to get insured! (Obviously, not for this event, but for the future).
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Old 16.01.2021, 12:40
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Re: Balcony cover shade just collapsed

Be prepared for a hefty bill. Those awnings aren't cheap and it may have even created some structural damage on the building. These slips of unawareness often result in a painful wake-up call financially.

If you smoke within the apartment (which isn't usually allowed), you may end up having to repaint the walls again due to a yellow hue caused by the smoke.

If you have large holes in the walls, be prepared to fix them.

The list goes on and on, which is one reason why landlords are careful who they rent out their flats to.

As for insurance, I realize that's another additional expense in an already strapped financial situation but it may save you money in the long run. It also demonstrates maturity.

Good luck!
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  #36  
Old 16.01.2021, 12:47
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Re: Balcony cover shade just collapsed

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If you smoke within the apartment (which isn't usually allowed)
We are NOT in California.

Tom
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Old 16.01.2021, 12:48
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Re: Balcony cover shade just collapsed

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... if you are in the habit of keeping them tilted open in your absence...
Be careful. While more secure than leaving them open, it's not as secure as shutting them.
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  #38  
Old 16.01.2021, 12:57
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Re: Balcony cover shade just collapsed

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If you smoke within the apartment (which isn't usually allowed), you may end up having to repaint the walls again due to a yellow hue caused by the smoke.
Such a clause is void. Smoking in your apartment is allowed and cannot be forbidden (future court decision in the light of other smoking restrictions in public spaces might change that). But as you say, stained, discolored walls and smelly carpets can be seen as excessive use and can lead to hefty bill when one leaves the flat.
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  #39  
Old 16.01.2021, 13:01
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Re: Balcony cover shade just collapsed

Thanks clarifying my error about smoking in an apartment. For further clarification, see https://blog.homegate.ch/en/smoking-...or-prohibited/
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  #40  
Old 16.01.2021, 13:41
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Re: Balcony cover shade just collapsed

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That's the second stop. First stop is to get insured! (Obviously, not for this event, but for the future).
You think they're going to do it again?
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