The condominium group
Will home insurance pay to match tiles after a repair?
Direct repairs and aesthetic continuity are different costs. Prepare an itemised quote and check cover without assuming a complete refurbishment.
Read articleRMACHADO GROUP · THE MAGAZINE
Home
The answers you are looking for about home. Choose an editorial series and explore one question at a time.
Articles in this series
22 articles
The condominium group
Mould on the wall: is having Water Damage cover enough?
A stain does not identify the cause or benefit. Separate condensation, infiltration and pipework using a policy example and an evidence checklist.
Read articleThe condominium group
Your home sum insured rises annually: an agreed percentage or an index?
Distinguish agreed-percentage and index-linked updates in Portuguese home insurance. Review works, contents and the contractual reference behind the change.
Read articleThe condominium group
Earthquake cover: what sum insured and excess does your home policy use?
Before comparing premiums, check earthquake cover, insured property and the excess calculation. Includes a fictional numerical illustration.
Read articleThe condominium group
The garage gate hit a car: which responsibilities need clarification?
Separate vehicle damage, gate operation and possible condominium liability. A malfunction alone does not settle who must compensate the owner.
Read articleThe condominium group
Attempted entry: are a damaged lock and stolen property the same claim?
An attempted break-in may cause damage even when nothing is missing. Record each loss and check the relevant terms of the condominium policy.
Read articleThe condominium group
Shared marble and sanitary fittings: which objects does breakage cover identify?
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.
Read articleThe condominium group
After building damage, who pays for demolition and debris removal?
Separate reconstruction from demolition, transport and debris disposal expenses in a condominium insurance policy.
Read articleThe condominium group
Damage to a car and its garage: are they the same insured property?
Separate the building, vehicle and other belongings when one event damages a condominium garage.
Read articleThe condominium group
Pests in the building: are assistance and damage repairs the same benefit?
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
A common room is unusable: is lost rent insured?
Distinguish room repairs, lost rent and ongoing condominium expenses. Any income-related benefit needs its own contractual reading.
Read articleThe 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.
Read articleThe 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.
Read articleThe condominium group
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.
Read articleThe condominium group
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.
Read articleThe condominium group
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.
Read articleThe condominium group
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.
Read articleThe condominium group
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.
Read articleThe condominium group
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.
Read articleThe condominium group
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.
Read articleThe condominium group
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.
Read articleThe condominium group
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.
Explore insurance