Home Insurance: cases where the insurance companies do nothing
Be insured household does not mean that the family is protected against any damage to the apartment or house can become. Household insurance (which only applies to the household, not the solid construction of the apartment or house for more information, see table household insurance and real estate at a glance) is the risk insurance. This means that the insured goods are insured only against the danger referred to in the contract, not against any destruction or loss, insurance expert points Generali Ivo scarf. However, even these insured risks exist where an undertaking does not cover damages. These cases are listed in the so-called výlukách of insurance.
Premiums versus the risk of danger
The Law on Insurance Contract means the insurance premium is potentially possible cause for the incident. Rate risk premium then the likelihood of the risk premium due to the dangers of the event. Therefore, it is necessary to speak in this context, rather than risk the danger.
Source: Generali Insurance Company
General exclusion from liability households are usually related to specific situations, such as acts of war, internal unrest, terrorism, nuclear reactions or intent or gross negligence of the insured. If the damage was one of the following events, by insurance company failed to insurance, although the danger was caused by the insured. It is to be the case when the insured intentionally burn their insured household. Although the household is insured against fire, has a chance to get insurance. Likewise, when a terrorist bomb lay in the trade, which explode and ponies apartment above shop. In the case of terrorism, but must always state authorities officially confirm that this was a terrorist act (and possibly correspond to the definition of terrorism in terms of insurance, such as the insurance company). In the case of foreign arsonist or vandals who burnt bottle handy window into the apartment and so there is a fire, such damage by the insurance company to pay under scarves.
“The typical lock-in home insurance are also, for example, damage caused intentionally or due to alcohol or other narcotic drugs,” notes an insurance expert Dušan seat from Partners. It does not matter whether under the influence of alcohol caused the damage the insured or someone from the family. This exclusion applies not only to the insured, but also a person close to or cohabitant. Damages under the influence of alcohol are in výlukách also most other insurance products.
Which other household exclusions in insurance, it is appropriate to also consider
Exclusions relating to damage caused, for example:
inadequate maintenance, corrosion, and natural wear and tear
intrusion of water into the open holes in the roof
Furthermore, in the absence of an umbrella or a makeshift building or buildings
water spilled from the roof eaves, gutters and assembly
atmospheric precipitation except hail
on matters of tenants and subtenants
crops and plants on land belonging to the place of insurance (plants in pots are not insured, though not before uschnutím – for matters taken to provide services
for copyright and průmysl.vlastnictví
destruction or damage to the insured case, or part thereof in any pollution, drawings, inscriptions, etc.
implementation of the indirect damages of any kind of loss of profit, earnings, pokyty, deficiencies, charges, etc. (by insurance)
Source: CPP, AXA, Kooperativa
In výlukách of insurance coverage are damage caused by defects, which had insured the matter at the time of negotiation of the policy. However, the insured knew of the defect. An example is the residency should be heat or damage to insured goods because of defects in water supply system kitchens. If the damage occurred by using defective equipment or supplies for which the defect but did not know the client, insurance company would have to provide insurance. “Pay the damage, but possibly you may want the manufacturers of these defective devices to pay if it is shown on the manufacturer’s fault,” confirms Marek Vích of insurance Kooperativa. The same policy also has insurance company Allianz.
Insurance payments can not wait even one who causes damage to property in their home because of inertia or lack of. Such a situation called insurance as the damage caused by gross negligence. According to information from insurance companies such as Allianz, however, not become too often. “Our company damage caused by gross negligence (it shows the court) of the household insurance will not solve yet. In theory, for example, may act on the damage caused by fire, which was cast from the cigarettes into the trash bin with paper, “describes the insurance company Allianz spokesman Paul Paseková. From gross negligence occur frequently in addition to fires and water damage. According to Mark Zeman from AXA insurance, this includes the frost damage when the insured is not maintaining adequate temperature in the property. Skoda of negligence may arise even when “kutilském involvement” devices. If it subsequently proves to be the involvement of other than the manufacturer recommends, can reduce the insurance company under scarves insurance, depending on the extent to which the impact on the damage caused. “A situation where Mrs domestic wash left hanging over the stove and the fire originated, or forgot to close before the storm, which then broke, or nesundala electric kettle from the source, who came short-circuiting and fires, this omission not to destroy the impact of an insured event. It is the owner of insured households, “says Václav Bálek of Czech insurance companies.
In addition to the general exclusions should monitor each insured and exclusions that relate to individual insurance or hazard insurance subjects. “At the risk of the insured to be fire concerns. For example, fire is not smoldering žhnutí and with limited access of oxygen, or the operation of household fire and heat. Should be when someone leaves something on the heating and it is then seškvaří, “explains the headscarf from Generali. Likewise, according to him can not be understood as claims related to water from the pipe, which was water in the washing or showering, moisture (as such, from the country, not from water leaking from the split pipe), atmospheric precipitation and water were released when pressure testing pipe. The storm was considered to be air flow from a certain speed.
