RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
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39 articles
The condominium group
Motor insurance, damage to your own car and damage to the building require different questions. Learn how to organise a notification and check the contract before assuming who pays.
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Mitigation expenses are not assessed only by their outcome. Understand reasonableness, early reimbursement and how expenses affect the insured amount.
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Direct repairs and aesthetic continuity are different costs. Prepare an itemised quote and check cover without assuming a complete refurbishment.
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An exclusion may connect a fire to its cause. See how a specific policy separates Fire and Earthquake cover before reviewing protection.
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Understand why transferring risk to an insurer does not remove prevention duties or every employer responsibility. Organise tasks, insurance and records.
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Before promising compensation on an insurer's behalf, check the notification procedure. Organise facts, documents and the insurer's response under family liability cover.
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Separate the main business's liability from the subcontractor's own insurance. Map entities, tasks and certificates before stating that everyone is insured.
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Compulsory building fire insurance and contents protection require separate checks. Find the relevant information for furniture, appliances and residents' belongings.
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A stain does not identify the cause or benefit. Separate condensation, infiltration and pipework using a policy example and an evidence checklist.
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Equipment stops working after an electrical problem. Separate fire, electrical risks and internal breakdown before organising the claim.
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Describe construction materials accurately. Read ASF's clarification on accepted materials and organise proposals, terms and explanations for the building.
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Distinguish agreed-percentage and index-linked updates in Portuguese home insurance. Review works, contents and the contractual reference behind the change.
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Before comparing premiums, check earthquake cover, insured property and the excess calculation. Includes a fictional numerical illustration.
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Portugal's Civil Code distinguishes the owner's duty from the administrator's intervention. Organise the resolution and insurance evidence for the building.
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The flames stayed in one area, but water and smoke affected others. Separate property, rooms, observations and costs without inventing a plumbing leak.
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Separate necessary shop repairs from additional matching finishes and check the applicable aesthetic-restoration benefit.
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Separate vehicle damage, gate operation and possible condominium liability. A malfunction alone does not settle who must compensate the owner.
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An attempted break-in may cause damage even when nothing is missing. Record each loss and check the relevant terms of the condominium policy.
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Damage to a shared counter or fitting requires its material, location and benefit to be identified. Glass cover is not an answer for every fragile item.
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Separate where the object came from, the damage and possible responsibility before assessing a balcony incident through insurance.
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Separate reconstruction from demolition, transport and debris disposal expenses in a condominium insurance policy.
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Separate the building, vehicle and other belongings when one event damages a condominium garage.
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A pest-control service may have its own conditions and does not prove cover for resulting damage. Check the premises, scope and service provider.
Read articleThe condominium group
Distinguish room repairs, lost rent and ongoing condominium expenses. Any income-related benefit needs its own contractual reading.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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