THE ESSENTIALS
Before you start
- Find the cover and evidence it was purchased.
- Check units, common parts, building and contents within scope.
- Read an excess percentage alongside its calculation base.
Find the specific guarantee
The reviewed public February 2022 Allianz Casa conditions address earthquake events in a separate special condition. This example helps locate a guarantee; it does not establish inclusion in your policy or universal terms.
Request the schedule identifying purchased covers and compare it with the guarantee definition and exclusions.
Sources: Allianz Casa — condições gerais e especiais 2050, fevereiro de 2022, Fenómenos Sísmicos ↗
List property and contracts
Separate the collective policy and known individual policies for the meeting. Record the units, common parts and property identified in each and their insured amounts. Mark unresolved points instead of guessing.
Fictional example: the administrator has evidence concerning common parts and an owner supplies a unit policy. Without reading them, the two documents do not settle whether earthquake cover was purchased for each property group.
A percentage needs a base
Arithmetic-only example: if a proposal sets an excess at 5% of a EUR 200,000 sum insured, that example produces EUR 10,000. A fixed EUR 1,000 excess would be different. These numbers are not product terms or a commercial offer.
Ask whether the percentage applies to the sum insured, loss or another defined reference. Note any minimum and other limits. Do not automatically apply it to a repair estimate.
Keep confirmed answers
Record contract, version, guarantee, property, sum insured and excess in the minutes or supporting file as appropriate. Separate documentary confirmations from unanswered questions.
Request a quote from RMACHADO describing the property for consideration. Claim cover requires assessment of the terms and event; this guide does not anticipate it.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Find evidence of earthquake cover.
- Identify property and building parts in each contract.
- Check the sum insured and excess base.
- Record replies and unresolved points before comparing.
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.