Minimizing damage is crucial to the ability to later pursue compensation from the insurer. According to the Civil Code, in the event of damage, the policyholder is obligated to use available means to save the insured item and prevent or reduce the extent of the damage. Before taking any action, it is crucial to thoroughly review the policy terms and conditions and report the damage as soon as possible.
1. Securing damaged property
To avoid potential claims from your insurer about increasing the extent of the damage, limit yourself to only essential flood damage repair work. If your insurer hasn't yet conducted an inspection and urgent action is needed, it's a good idea to secure damaged items, such as furniture, electronics, or household appliances, in one place to facilitate documentation of the damage later. In cases that don't require immediate intervention, it's recommended to suspend work until you've consulted with your insurer.
2. Starting a flooded car after a damage
Starting a flooded vehicle can impact the insurer's decision to pay compensation. Most comprehensive (AC) policies that cover damage caused by flooding or water damage stipulate that the insured must act reasonably to minimize damage. Starting a vehicle after flooding may be considered an aggravating factor, which may lead to a denial of compensation. The insurer may deem that starting the vehicle caused additional damage to the engine or electrical system.
This can also lead to a reduced compensation amount. In some cases, the insurer may pay compensation, but reduce it by the cost of repairs resulting from damage sustained after the vehicle was started.
3. Commissioning of the electrical and gas installations
Restarting gas and electrical systems after a flood requires special care and appropriate safety measures. Before reconnecting, both gas and electrical systems must be thoroughly inspected by a qualified specialist. Contact with water can cause serious damage and pose a safety hazard after restart. Electrical systems should be inspected for short circuits, corrosion, and other moisture-related damage. Furthermore, a specialist must check the gas system for leaks and the condition of appliances such as gas heaters and boilers, as moisture can damage components, potentially resulting in gas leaks or appliance failure.
To obtain the compensation we deserve, it is important to accurately document damage, promptly report it to the insurer and follow procedures.
For more information, please contact us. We will assist you at every stage of the process to obtain the compensation you deserve.
This article is for informational purposes only and does not constitute legal advice.
Legal status as of September 24, 2024
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