As we started last 24 December, we continue with the second issue of “Siniestros - Casos Reales” (Claims - Real Cases)”. In this series of entries, we try to highlight the work of a Professional Insurance Brokerage, which strives to defence of its policyholders at all times: when taking out 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 often quite complicated.
The difficulty in community insurance
In community claims, we often encounter several disadvantages. Mainly because they can involve many people affected, which entails costly coordination work, or also because of the difficulty in locating the source of the damage, which will ultimately determine who is responsible for repairing the source and meeting the cost of the damage incurred, whether it is the individual flat or the community.
See examples typical claims, and the solution provided by our brokerage firm.
The problem of the difficult location of the origin of the incident
In a leaks appear on the ground floor of the premises. 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.
Leakages in storage rooms and quick solutions
This is a classic: leaks from the Community or ground floor premises to several storerooms in the same community.
In this case the origin was in the premises, and the community's expert, logically, said that the premises policy should cover the origin and the damage 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 put pressure on our company to pay the insured for the cost of the repair and then claim from the other company.
In this way we solved an issue, which without our intervention would have been delayed for many months or even years, with the owners of the storage rooms being left with damage all that time. At the same time, we advised the different neighbours to report the damage to their home insurance in order to be fully compensated for the damage to their belongings, and many of them succeeded in doing so.
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 of neighbours.
