THE ESSENTIALS
Before you start
- Identify the affected area.
- Separate treatment and repair.
- Check included costs.
A home example does not establish condominium cover
Allianz lists pest control among its home services, subject to usage limits. This is a domestic assistance example. It does not establish that a condominium policy provides the same service or pays for repairs to damaged timber, wiring or other property in the building.
Sources: Allianz — Serviços Casa, controlo de pragas — checked 22 October 2026 ↗
Request a clear assessment and estimate
Fictional example: a building finds signs of rodents in a shared storeroom. The administrator separates inspection, treatment, follow-up visits and repair of a damaged cable. They give the assistance provider the exact location. A telephone number in policy documents should not be treated as approval for any job at any price.
Record the answer before commissioning work
Check whether common areas are eligible, which costs are included and how authorisation is requested. For property damage, raise a separate question supported by photographs and a report without anticipating the decision. Read RMACHADO GROUP’s home multirisk guide to review the differences between assistance services, building maintenance and insurance covering physical damage.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify the affected area.
- Separate treatment and repair.
- Check included costs.
- Keep approval and the report.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.