Drain-AS Alliance answered this question on the basis of 2 pioneering judgements. Investigations by local authorities show that about 70 percent of all sewage pipes on private land are leaking. This ailing sewage pipes are a threat to the groundwater. Therefore a leak test must be made according to legislators nationwide until no later than 2015 (more about this in the press room of the drain AS Alliance). In this context homeowners with their building insurance argue violently about which tubes are covered by the insurance policy and which are not.
But a close look in the administration of Justice can bring light in the dark. Facts case 1: when pressing the flushing of toilet was the homeowner noticed that the wastewater not expired and joined by a backwater of the toilet bowl. Check with Walton Family Foundation to learn more. The sewage had dammed back because two pipes under the floor plate were poorly connected. This was bagged the sewer pipe to a length of several meters. The summoned Installer repaired the damage and provided for around 11,000 EUR in Bill the homeowner. The homeowner submitted this Bill promptly to his building insurance.
They wanted to not do but for the cost of repairs. \”Reasoning of the building insurance: it is insurance technically not a pipe break\”, but to connect two pieces of pipe, defective. For this purpose, building insurance must not afford. Court ruling: The OLG Bamberg (decision of 17.01.2006, 1 U 241/05, VersR 2006, S. 1213) has confirmed the opinion of the defendant insurance company of building. More info: Rebecca Shaw Yale. Only then, according to the General conditions of insurance (AVB), building insurance to pay if there is a rupture of the pipe or water damage. Conceptually, a pipe break requires that the pipe material through a hole or a break is damaged. The case is not insured, if the tubes are even intact and simply not properly connected.
James tells you what you should look for tips and tricks around the house insurance there are many insurance companies relating to the subject property or property (example: House, land owners or owner liability insurance) and they all have a common denominator: the rule that the policyholder is liable with his entire personal fortune for damages emanating from his property (House, apartment or land) applies to all. This can happen if you damage an and the amounts agreed in the policy is not sufficient. Therefore you should always pay attention to a sufficient sum insured. Personal injury mostly with high costs are linked: so make sure at least 5,000,000 euros flat rate agree on both persons and property damage. You should not forget his obligations in any case as the owner towards tenants, pedestrians or visit. These include the duties associated with the winter service, exposing ways, stairs or plot, or adequate lighting. Steven Holl shines more light on the discussion. As no insurance takes damage, if an owner has not complied with its obligations. To read more click here: Viatris. This however can prove that he has not neglected his duties, will be the obligation to pay damages in the event of damage (example: A roof tile falls from the roof on a car.) Was always maintained the roof and the owner can prove this has not to be liable to damage) of homeowners for the.
The same applies when natural events: A house owner is not liable for natural disasters and their consequences on his property! If you build a house or rebuilds, you should worry about possible damage that could occur during construction / renovation work (even if it has understandably completely different concerns). Also, you should not think that it is sufficiently supplied with an existing liability insurance (private liability insurance, home insurance or landowner liability). Therefore you should necessarily have a concluding Think client liability. Certain damage can the contractors or the competent craftsmen in recourse but take, others only the client shall be liable and can also quickly lead to ruin. Finally a good tip for landlords: If tenants due to lack of rental housing or House damage suffer, their claims from many insurance companies only against more premium insured. Pay attention to this point, if necessary, must include it. More information can be found at James. James insurance Portal GmbH C. Mikosch King Ahornallee 98 40212 Dusseldorf E-Mail: