The 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.
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The 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.
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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.
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After building damage, who pays for demolition and debris removal?
Separate reconstruction from demolition, transport and debris disposal expenses in a condominium insurance policy.
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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.
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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.
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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.
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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 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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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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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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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.
Read articleConversations at home
Home assistance and reporting damage: what should you prepare?
Distinguish an assistance request from reporting damage and clarify the procedure, costs and records without assuming compensation.
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Main home or second home: describe the actual use
Prepare an accurate account of occupancy and changes in use without assuming universal vacancy periods or insurance cover.
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A contents inventory without publishing your home
Create a private home contents inventory, match belongings to supporting records and prepare useful questions about your home insurance.
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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.
Read articleConversations at home
Buildings and contents: two questions after a kitchen renovation
A renovation can involve both building elements and household belongings. Separate the figures before reviewing your home insurance sums insured.
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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 articleConversations at home
Computers and leisure equipment: are they on your home checklist?
Organise an equipment list and questions for a home insurance proposal without assuming its name answers every detail.
Read articleInsurance made simple
Home multi-risk insurance: sums insured, contents and water damage
Learn to review the rebuilding sum insured, contents, water damage and natural-event covers in home multi-risk insurance.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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