IncidentFlats
Leak between flats
- What happens
- The water comes from a communal downpipe and damages two flats.
- How the policy responds
- The association's policy responds: leak detection, repair and damage to the flats.
Individuals
Residential buildings
Everyone's building, properly insured and looked after by a team that knows its history.
- Assistance
- 24 h
- History
- We keep it
- Claims
- We handle them
Taking out the policy is not the hard part. The day there is a leak is.
In an owners' association, the problem is rarely the price of the policy: it is knowing who is liable when there is a leak between two flats. We review the buildings sum insured, the water damage cover and the association's liability, and we handle claims so that the chair does not have to fight every file.
The building, floor by floor.
Where each cover in the building policy applies.
-
Roof and structure
- Full buildings cover
The communal buildings cover protects the structural elements of the building.
-
Flats
- Water damage in communal and private areas
What is inside each flat needs its own home insurance policy; the two complement each other.
Common situation: leak between flats -
Entrance hall
- Association liability
What we solve for each of you.
The chair changes every year and inherits the open files. We keep the history and handle claims on behalf of the association.
- Claims handling on behalf of the association
- Claims report for the owners' meeting
- Review of sums insured before renewal
We work with property managers who value having someone follow up with the insurer and keep a record of every step.
- Documented follow-up of every claim
- Comparison ready to present at the owners' meeting
- A direct contact for all your buildings
When water runs down the wall, the urgent thing is to know whether it is the association's or a neighbour's responsibility. We guide you from the very first call.
- Guidance on communal or private areas
- Coordination with each resident's home insurance
- 24-hour emergency assistance
The building belongs to everyone. Anyone should be able to understand the policy too.
Common situations.
IncidentEntrance hall
Fall in the entrance hall
- What happens
- A delivery driver slips in the freshly mopped hallway and makes a claim.
- How the policy responds
- The association's liability cover takes on the defence and, where appropriate, the compensation.
Incident
Lift breakdown
- What happens
- The lift stops with people inside and stays out of service for a week.
- How the policy responds
- The policy covers the rescue, the machinery repair and the liability towards those affected.
Questions about owners' associations.
Who pays for a leak between two flats?
It depends on where the fault is and how the policy is worded. This is precisely where the brokerage should review the policy wording before it is signed.
Does the building insurance cover the inside of my flat?
The communal buildings cover protects structural elements. What is inside needs its own home insurance policy; the two complement each other and should leave no gaps.
Can you handle claims on behalf of the association?
Yes. It is standard practice in the associations we manage: the property manager or the chair notifies us and we follow up the file.