What you need to know about fire insurance

The house is most vulnerable to fire

You know about fire insurance before buying it. Whether you buy home insurance or not, there are provisions in the law if your property or that of others is damaged and the fire insurance of the home is very helpful here. In the case of compensation, it will be useful to read the indicative margins, if any.

If your property has been damaged by fire or the spread of a fire or explosion, certain measures are required to compensate. In a first step, and within five business days after the accident, contact your insurance company and send you a document with acknowledgment of receipt including your name and details of the contract, the date and causes of the damage, the description of the damage along with an estimate of their respective damage amounts.

Within the agreed time, the insurer sends an expert to assess the damage to the scene. We strongly recommend that you participate in this experiment, first give explanations and possibly put forward your views and then provide information to mitigate the losses, such as: B. burned or damaged items to support. , Photographs, bills and cards. Guarantee.

Incidentally, you may be assisted by a second expert of your choice, including full or partial reimbursement of expenses incurred by fire insurance if your contract includes a "expert rate" guarantee. In case of a disagreement between the experts, a third party introduces a so-called "conciliation" for the first two and draws up a final report. Once a disapproval is in your hands, using the forensic process will allow you to determine the final report.



In addition, it is important to know that although the "fire" guarantee is programed into most home insurance policies, it has limitations in contrast to fire insurance policies. Firstly, it is your responsibility to verify the validity of the contract, which is justified by the fact that your insurer did not receive a letter of more than thirty days, which indicates that it is safer regardless of the reason. In addition, a fire is by definition a flame that is ignited, damage to electrical, electronic or computer devices due to a voltage increase or a short circuit are excluded, for example by the insurer.

The same applies to damage that is not caused by a fire, such as the burning of a couch that is associated with cigarette smoke, or damage caused by a malfunction of the boiler. Therefore, it is advisable to include the guarantee for "Electrical Damage" and "Household" in the insurance contract, unless you have already checked in the current provisions their effectiveness to guarantee your house entirely. Finally, it should be noted that in addition to the damage caused by a fire, even those caused by an emergency measure, such. As firefighters, be allowed if this is safe.

If the property of your neighbors has been damaged by sources in your home, the law will govern your obligations to you or your landlord when you rent them. These can also be covered by a fire insurance. In most cases, this leads to direct compensation from the neighbor's insurer without applying the deductible. However, if the accident report does not cause anomalies, you are still required to send the claims to the other party to your insurance company responsible for the persecution.