global manufactured
The overall policy has produced some peculiarities that make it unique, so we provide some useful information to readers.
Subject: The policy is essentially a global coverage of liability insurance, which guarantees to the insured from claims for compensation that could advance third damaged, which means that "covers" the damage occurred to property insured, but protection economically it from possible claims by third parties.
The characteristic feature of the global policy is that, although done at communal level, guarantee on all parts of the building, including private ones, for which the administration is acting in dual capacity as representative of the owners collectively (as regards the damage that can cause the common shares to third parties and condominiums) as well as representatives of the condominiums individually (for damage caused by their unique properties, such as broken balconies, private pipes etc...) And 'it is this that gives rise to misunderstanding and the confusion when it is necessary to proceed through the courts, as the building, despite being the insurer can not be responsible for the harmful act and therefore not entitled passively if the parties building which caused the event are not private but communal.
Facts "covered" the bill spoke only for "accidental damage". This term is interpreted by insurance strictly to limit the compensation, in fact, the term "incidental fact" does not mean that "intent" since, in this case, there was not even liability of the tortfeasor, since the accident therefore, the term "accidental breakage is understood to be any fact, not intentional or accidental, due to the responsibility of one or more condominiums.
infiltration Damage: The global policies usually cover only damage caused by water pipeline (pipes), but do not cover (usually contract for) the infiltration from damage from common areas (roof facades etc.). the reason for this exclusion is clear, insurance companies would not want the condos they fail the work of a significant magnitude since, however, covered by insurance. It 'good to remember that the policies, covering only the accidental breakage, usually tend to resist when the pipe rupture occurred for age.
The "Troubleshooting": The troubleshooting is ancillary to the bill a provision for civil liability, it intervenes to cover the expenses necessary to search for the cause of seepage and consequent restoration of the compromised sites. As anticipated, this is a collateral responsibility civil, so do not intervene in the absence of compensable damage, paradoxically, therefore, in the case of a broken pipe, condo or individual should expect to have caused damage to someone in order to receive compensation on research and restoration.
Deadlines for application: It 's good to remember that in the event of a claim, is required by law to carry insurance accident report within three days of discovering the fact. This charge, which usually lies with the administrator, may be required of the individual which, if it receives a request for compensation, it shall immediately give notice to the administrator to proceed with the complaint.
Mode compensation: usually, in cases of intervention, there is an exemption for the insurance, the appraised damages, an amount subtracted from compensation as a percentage (or forfeiture); also vigendo the proportionate share of the total sum insured notes that if the building is insured for a total amount less than its real value, compensation will suffer a proportional decrease.
sums not covered by the policy are due to damaged directly by the tortfeasor (condominiums if the damage came from the private party, if the building by the municipality).
Access to documents: Since each condominium (although represented in the subscription the policy administrator) the contractor, the same shall have the right to access to documents that they see relevant (expert receipts etc..) for which, in case of refusal by the health authority may not claim that the date is copy of the request.
Receipt: Prior to the settlement of compensation or damages, the insurer, the insured or the injured person does sign a waiver to any claim, in cases of buildings that bill, again, covering the tortfeasor by the demands of Third, the receipt is signed by the administrator that, with this subscription, renunciation of any other income you require insurance. The administrator, representing other person, should pay special attention before signing the receipt, especially when acting on behalf of individual condominium responsible for the damage. The latter, in fact, should receive an 'additional request for damages by the injured party not completely satisfied by the insurance, may claim damages administrator who has accepted a lesser sum, renouncing all claims.
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