The condominium group
Water leak: is an excessive bill the same as damage to the building?
Separate water consumed, leak detection, pipe repair and resulting property damage. Identify each expense before an insurance assessment.
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The condominium group
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Articles in this series
39 articles
The condominium group
The damage is below the building sum insured: can underinsurance still matter?
A loss below the sum insured can still be affected by underinsurance. Explore a fictional proportional-rule example and prepare a building review.
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The charging cable was stolen but the car is undamaged: what should you check?
A charging cable and the vehicle are different items. Check disappearance circumstances, storage conditions, limits and excesses.
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Rain entered the building: is calling it a flood enough?
Describe the cause and effects of water entering a condominium. Storm, flooding and pipe rupture may be treated differently under the policy.
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Who cleans the building: has work accident insurance been checked?
Organise insurance checks for condominium cleaning, distinguishing direct engagement, a cleaning business and independent work in Portugal.
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Solar panels on the building: are they identified in the policy?
Before assuming condominium solar panels are insured, identify the equipment, ownership and cover actually selected in the policy.
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A furnished rented home: whose belongings are you insuring?
Separate landlord and tenant property when preparing home insurance rather than assuming one policy protects every occupant and object.
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The lift broke down: do maintenance and insurance answer the same question?
Organise technical contact and insurance assessment without assuming a maintenance agreement includes every repair.
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A fire started in one unit: does that identify every loss and responsible party?
Separate known origin, affected property and locations when preparing a building fire report in Portugal.
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Building works: questions to ask before work starts
Organise the works, participants and dates for an insurance discussion without assuming cover for the project or assigning responsibility.
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Two accounts of an incident: build a factual timeline
Separate observations, reported information and unresolved hypotheses in an incident timeline without deciding the cause of damage or legal responsibility.
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A change is in the minutes. Is it also in the insurance process?
Turn a change recorded in condominium minutes into a clear insurance enquiry and track the communication and reply.
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Stain, leak tracing and repair: separate the costs
A ceiling stain does not describe every necessary job. Separate visible damage, fault investigation and work at the source when discussing a claim.
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An apartment sale price is not a reconstruction estimate
Separate sale price, rebuilding cost and sum insured when reviewing building insurance. A fictional example explains why the calculation basis matters.
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Condominium insurance: organise confirmations before the meeting
A practical way to organise references, distinguish units from common parts and bring concrete insurance questions to a condominium meeting.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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