Go Back   English Forum Switzerland > Help & tips > Insurance  
Reply
 
Thread Tools Display Modes
  #1  
Old 02.04.2017, 22:42
Junior Member
 
Join Date: Feb 2010
Location: Zürich
Posts: 71
Groaned at 0 Times in 0 Posts
Thanked 13 Times in 10 Posts
Babenas has no particular reputation at present
When to inform insurance about apartment damages

I am not sure I have used correct search, but was not able to find it - shall I claim for damages in the apartment before handover to landlord or it can be done after too? What is the actual process? The reason is, that we have few scratches on the parquet floor as well as some other, which will most probably be noted by landlord during handover, so I am not sure how to "pass it over" to insurance for that. Many thanks in advance for any advice!
Reply With Quote
  #2  
Old 02.04.2017, 22:48
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 29,134
Groaned at 2,027 Times in 1,524 Posts
Thanked 34,687 Times in 16,476 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: When to inform insurance about apartment damages

You inform them when it happens.

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #3  
Old 02.04.2017, 22:50
Forum Veteran
 
Join Date: Feb 2012
Location: CH
Posts: 2,304
Groaned at 87 Times in 73 Posts
Thanked 2,002 Times in 1,123 Posts
ivank has a reputation beyond reputeivank has a reputation beyond reputeivank has a reputation beyond reputeivank has a reputation beyond repute
Re: When to inform insurance about apartment damages

When you have a claim from the landlord about it - insurance insures third party claims against you. So, after the handover.

However, this doesn't mean that you should completely skip arguing with the landlord about it and accept everything he says you should pay. Insurance will reject obvious claims that you didn't have to pay in the first place. And they might want to send someone to take a look at the damages with their own eyes too before paying.
Reply With Quote
The following 3 users would like to thank ivank for this useful post:
  #4  
Old 02.04.2017, 22:57
Junior Member
 
Join Date: Feb 2010
Location: Zürich
Posts: 71
Groaned at 0 Times in 0 Posts
Thanked 13 Times in 10 Posts
Babenas has no particular reputation at present
Re: When to inform insurance about apartment damages

Thanks for replies, really appreciated! Although it is quite tricky, but will try to object the obvious.

In regards of claiming when it happens - that is quite difficult, i.e. some chips on the floor I have noticed only when all furniture was gone, I really have no clue when did it happen.
Reply With Quote
  #5  
Old 02.04.2017, 23:01
Forum Veteran
 
Join Date: Feb 2012
Location: CH
Posts: 2,304
Groaned at 87 Times in 73 Posts
Thanked 2,002 Times in 1,123 Posts
ivank has a reputation beyond reputeivank has a reputation beyond reputeivank has a reputation beyond reputeivank has a reputation beyond repute
Re: When to inform insurance about apartment damages

Quote:
View Post
In regards of claiming when it happens - that is quite difficult, i.e. some chips on the floor I have noticed only when all furniture was gone, I really have no clue when did it happen.
I don't think this is difficult at all. Quite the opposite - if this wasn't mentioned in the handover protocol when you moved, this automatically makes it your fault when the landlord notices it. I really doubt the insurance will care if this was really you who did this or previous tenant. There's no proofs and no way for you and them to go after the previous tenant anymore now if he did it.

You have insurance anyway, so why worry? At most you'll pay the deductible and waste some of your free time on sorting things out between landlord and insurance.
Reply With Quote
  #6  
Old 03.04.2017, 10:34
Salad Days's Avatar
Senior Member
 
Join Date: Nov 2014
Location: Geneva
Posts: 386
Groaned at 12 Times in 8 Posts
Thanked 292 Times in 128 Posts
Salad Days has made some interesting contributions
Re: When to inform insurance about apartment damages

Probably a dumb question, but....

Supposing I am leaving my apartment and the regie sees damages which I then claim on my insurance. Will the excess be payable on each separate thing - eg broken key in door, scratches on floor - or just one excess for the whole of the claims that need to be made.
Reply With Quote
  #7  
Old 03.04.2017, 10:40
Forum Veteran
 
Join Date: Feb 2012
Location: CH
Posts: 2,304
Groaned at 87 Times in 73 Posts
Thanked 2,002 Times in 1,123 Posts
ivank has a reputation beyond reputeivank has a reputation beyond reputeivank has a reputation beyond reputeivank has a reputation beyond repute
Re: When to inform insurance about apartment damages

I think it's usually once per flat, but check what your insurance terms say. I've seen once where the deductible was per each room with damages
Reply With Quote
This user would like to thank ivank for this useful post:
  #8  
Old 03.04.2017, 18:43
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 19,049
Groaned at 391 Times in 297 Posts
Thanked 18,882 Times in 10,169 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: When to inform insurance about apartment damages

Quote:
View Post
I think it's usually once per flat, but check what your insurance terms say. I've seen once where the deductible was per each room with damages
Insurance is usually based on per incident, so 1 deductible each wall unless damage to the corner. It's not supposed to be a replacement for taking care.
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Do I gave to inform my Gemeinde about changing employers? troonx Employment 2 26.03.2015 11:48
Insurance estimate for damages to furniture Castro Insurance 5 16.05.2011 18:09
what and who to inform when leaving a canton to live in another one kamini Permits/visas/government 3 01.07.2010 16:09
When to inform manager that I am pregnant krati Employment 19 26.08.2009 16:53
Question about apartment damages jmignone Housing in general 3 16.04.2009 19:58


All times are GMT +2. The time now is 16:02.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0