As we started last December 24, we continue with the second installment of “Claims – Real Cases”. In this series of entries, we try to highlight the work of a professional Insurance Brokerage, which strives to defend its policyholders at all times: in the contracting of the policy but, above all, in the event of a claim.
If the first part dealt with real cases of claims and car insurance, today we will talk about community insurance, whose claims are usually quite complicated.
Difficulty in community insurance
In community claims, we usually encounter several disadvantages. Mainly, because they can involve many affected persons, which entails a costly coordination work or, also, because of the difficulty in locating the origin of the damage, which ultimately will determine to whom it corresponds to repair that origin and to face the cost of the damages incurred, if to the particular apartment or to the community.
Let’s see typical examples of claims, and the solution given by our Brokerage Firm.
The problem of the difficult location of the origin of the claim
In a local of the first floor some filtrations appear. The tenant complains to our Community, and when the guilds go to locate the origin, they understand that it does not correspond to our community, but to the adjoining one.
The expert who came later said the same thing. This is a big problem because the claim can drag on for a long time, and the tenant of the affected premises is annoyed with the resolution of the problem by the community.
Finally, we insisted that he return to locate another trade, and the origin was detected in our Community, which allowed the rapid repair of damage to the premises, and avoided the legal claim that was already being initiated by the insurance company of the premises against our Community.
Leaks in storage rooms and fast solutions
This is a classic: leaks from the community or a first floor premises to several storage rooms in the same community.
In this case the origin was in the premises, and the expert of the community, as it is logical, said that the policy of the premises should take care of the origin and the damages caused. It turned out that the insurance was cancelled.
We intervened to talk to the insurance company and get them to reinstate the insurance on the premises, which was not easy. In the meantime, we also pressured our company to pay the insured for the cost of the repair and then claim against the other company.
In this way we solved an issue that without our intervention would have been delayed for many months and even years, being the owners of the storage rooms all that time with damages. At the same time, we advised the different neighbors to report to their home insurance to be fully compensated for the damage to their belongings, and many of them succeeded.
As we said at the beginning, claims in homeowners’ associations can be complicated. If you want us to review your policy, manage it and be attended by professionals at all times, we will help you both in the contracting and in the claim. Contact us and find the community insurance that best protects the coexistence between neighbors.
