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Old 22.01.2021, 11:02
John_H
 
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ECA - Who claims - owner or renter

Here in Romandie we have the mandatory ECA insurance for natural disasters, fire, flood etc.

Just noticed today, since the snow is thawing that our pool cover has been pretty severely bent by the weight of the snow, probably such that it won't retract.

So just thinking to myself, who's problem is it. I rent the place, I have ECA cover.. I also have a contract with a pool maintenance company, the owner I assume has insurance too.

I'll call the pool company to come check it but who would be on the spot to replace the cover.. It's obviously not something that can be protected from snow, like a sun shade on the balcony
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Old 22.01.2021, 12:00
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Re: ECA - Who claims - owner or renter

Do you also have the Garden insurance or just household items?
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Old 22.01.2021, 12:13
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Re: ECA - Who claims - owner or renter

I would assume that your 3rd party liability insurance is the relevant one. After all, the cover is damaged because you didn't remove the snow.
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Old 22.01.2021, 12:14
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Re: ECA - Who claims - owner or renter

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Do you also have the Garden insurance or just household items?
ECA covers garden, garage, shed etc as far as I know..
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Old 22.01.2021, 12:26
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Re: ECA - Who claims - owner or renter

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I would assume that your 3rd party liability insurance is the relevant one. After all, the cover is damaged because you didn't remove the snow.
Nothing much one can do to prevent it from being snowed on.. You can't walk on it to remove the snow, it's like metal bars with vinyl between them ..
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Old 22.01.2021, 12:32
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Re: ECA - Who claims - owner or renter

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ECA covers garden, garage, shed etc as far as I know..
I am asking because Cote Jardin is an extra one which is not mandatory.

Just would quickly check with the ECA & see what they say on who should claim.
For me it would be the the owner.
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Old 22.01.2021, 12:41
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Re: ECA - Who claims - owner or renter

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Nothing much one can do to prevent it from being snowed on.. You can't walk on it to remove the snow, it's like metal bars with vinyl between them ..


Unless you have an Olympic size pool of course.
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Old 22.01.2021, 12:59
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Re: ECA - Who claims - owner or renter

Ouch- as a house owner, I'd consider it my responsibility to regularly clear the snow from the cover to avoid this. Hope you get support.
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Old 22.01.2021, 13:45
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Re: ECA - Who claims - owner or renter

Wouldn't it make sense just to roll back the cover if heavy snow is expected?

All the leaves etc are gone, so the cover isn't essential for a short period.
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Old 22.01.2021, 15:19
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Re: ECA - Who claims - owner or renter

I wouldn't say a bit of snow was a natural disaster but probably more like it was improper use. If the roof on the house fell in this would be a different matter. Talk to the landlord to see if he can claim otherwise talk to your own insurance.
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Old 22.01.2021, 15:39
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Re: ECA - Who claims - owner or renter

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I wouldn't say a bit of snow was a natural disaster but probably more like it was improper use. If the roof on the house fell in this would be a different matter. Talk to the landlord to see if he can claim otherwise talk to your own insurance.
Doesnt have to be a natural disaster.
ECA insures against damage caused by natural elements.

Included are

excessive weight and sliding snow
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Old 22.01.2021, 18:13
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Re: ECA - Who claims - owner or renter

on rooves, not swimming pools.

ECA compulsory insurance was started to ensure no-one would lose thre roof over their heads - be it from fire or snow or other damage. I am quite sure it never was for swimming-pools. But - good luck if you can make it work. Our hamlet burnt in the 19C, and so did one of the larger villages down the valley, with fire spreading from house to house, as in London in 1666- and so many farms would go up in flames.
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Old 22.01.2021, 18:35
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Re: ECA - Who claims - owner or renter

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on rooves, not swimming pools.

ECA compulsory insurance was started to ensure no-one would lose thre roof over their heads - be it from fire or snow or other damage. I am quite sure it never was for swimming-pools. But - good luck if you can make it work. Our hamlet burnt in the 19C, and so did one of the larger villages down the valley, with fire spreading from house to house, as in London in 1666- and so many farms would go up in flames.
They offer a non mandatory garden insurance, that would cover the pool.
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Old 22.01.2021, 22:33
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Re: ECA - Who claims - owner or renter

If they have that, then yes, probably. Had no idea it even existed.
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