Each insurance company there are certain tariffs. Or, as they call it, "premium rates per unit sum insured or the amount of insurance. " Simply put - the percentage of the amount for which you are going to insure it. The average call rates within 1%. Elementary Mathematics: if you want to insure your repair is 20 thousand rubles - pay only 200 rubles a year and currently live quietly.
However, in each case the question of the amount of payment is solved individually. It is clear that all apartments are different: with different "structural elements" of different "Age" and even more so with a different finish. In addition, the contribution affect all sorts of discounts, concessions or, conversely, cheating - the so-called raising factor (It applies, if, say, your home was built a long time ago and in it a hundred years there was no major repairs, or you rent an apartment to rent, etc.).
But the main thing for us you, the citizens of individuals, is this: everything is more or less large companies insure not only the finish materials, but also the cost of repair and decoration work. But it certainly does not mean that your repair can be assessed in any amount. Insurance - an exact science. In all insurance companies employ experts, well who know the market of construction and finishing materials. Their responsibilities include direct part in the assessment of the value of insured object. So you need to evaluate their investment in paint and wallpaper, as they say, really.
Ideal if apartment renovation made a serious company. Then we can will surely produce the estimate, payment receipt and other papers. But if your apartment worked dashing vagrants teams, their activities are appreciated, based on the current market rates for similar work. As we know, builders and finishers take for his work about the same as what it costs the material itself. That is, if you bought the tiles for 3,000 rubles, the master will put it to you virtually the same amount. Therefore, when it is "insurable event" (Ie, an event which led to a loss), the insurance company pays the victim only as much money as you need to make it flat in the "pre-potopnoe", "pre-fire" in a word, "pristine" condition. If you, as a pensioner Bodryakina, flooded, and the ceiling you have covered the usual whitewash, receive an amount which exactly enough to buy exactly the same whitewash and payment of malaria, rather than on the steep renovated the envy of neighbors.
There are cases so to speak, moderate (partially damaged): for example, has suffered only a portion of the ceiling and two or three leaf wallpaper. It is clear that in this scenario you like their ears not to see the full amount for finishing the whole apartment that you have specified in the contract of insurance. In one company, you will be offered compensation only for partial repair damaged finishes, the other fully reimburse repair the ceiling and pasting the entire room.
How to calculate the cost elements finish? Insurance companies are doing so. Taking the total repair cost for 100%. The share of the ceiling accounts for approximately 10% of sex - 35% on windows / doors - 15% etc. (Of course, these figures in different companies may differ slightly.) But remember: all these calculations are only good for the most common flat average Russian citizen. And how to calculate these percentages, if the ceilings are painted with simple whitewash, but the floor is a brand new expensive parquet? Or, conversely, if the overhead already flaunt stretch with superpotolki supersvetilnikami, and on the floor - not yet stripped the old linoleum? Understandably, in this case, these conditional relations in the contract you will be reviewed. You've probably already realized that the insurance industry - an individual thing.
look at the problem from "Pest"
Now look at the problem from another angle. What happens if you did not flooded, but on the contrary, you yourself are responsible for someone's woes - submerged or something else inadvertently damaged the neighbors from the bottom (the side, etc.)? And while your neighbor, for example, recently made a cool decoration. Clearly, in this sad event on the horizon begins to loom ominously unpleasant event called "damages." And how should we?
There is a way. To sleep soundly, you need to insure its civil liability "in case of damage to third parties. If we assume the same Bodryakin insure their civic responsibility on the above risks (gulf water, fire, etc.), then perpetrate the flood in the apartment of a neighbor-rich, he does not have to moan at him clemency. Pensioner Fima said boldly for what he did to his insurance company. It's the trial and will take on Damage to eurorepair businessman. Bodryakin also expels slight shock and a very modest sum of insurance premiums.
Pitfalls
Here I want to catch your breath and time stop. Still describe all the details of insurance furnish apartments, and other details of the insurance business in the short article is impossible. But I hasten to warn: before with a light heart to pay the same 1% of the sum insured, you should carefully examine not only the conditions of the insurance contract, but the rules of several insurance companies. Preferably big and with a good reputation. But this is not enough. We must carefully go through each paragraph of these rules together with a consultant chosen insurance company. The fact that the language of insurance contracts and the rules of a purely legal, incomprehensible to the uninitiated citizen. Therefore, each item requires clarification on a simple conversational Russian. The main thing that you thoroughly understand what is meant and understood correctly. You waiting examples? "They have me."
First, the insurance contract and, accordingly, the policy (the document that you receive from the insurance company confirming the the conclusion of insurance contract) must say that you will receive compensation for damages in a certain amount in such-and-such a case (an enumeration is insurance risks). On the other hand, the rules of the company will be listed such cases in which for the damage you do not get anything. "How?" - Of course, you have rebelled. It is very simple - have themselves to blame. You've left their signature in the contract by the phrase: "With insurance regulations have read and agree." You will be told in response to your outrage: "carefully, my dear, you had to read the rules. You have not seen in the rules (and this is part and parcel of the contract) a fad. And he had everything solved! »
What do you mean? Explain. Suppose we know that the insurance company must indemnify us in case of disaster. But ... The Rules can be written: "Do not refundable damages resulting from the penetration of the insured premises ... rain, snow, hail and mud through unsecured window ... "And you have it just opened in the open. That means, alas, are to blame. This means that nothing is owed. One must be careful!
Or remember, we were surprised you can even insure your dwelling and its finish from the "entry of vehicles or aircraft fall? So, it turns out, according to the rules insurance, if the wheel of the vehicle or at the controls of the aircraft will be you or your family, then run to the insurance company for damages is not for nothing. Give nothing. Not allowed.
So beware, reading documents, and often ask the question "What does that mean?" Insurance agent or consultant.
That is perhaps the most fundamental thing that we learned about the insurance repair and decoration of our homes. I must say, this kind of insurance business in Recently, growing very rapidly. It is clear why: people have started to count money. Why wasted chances? Better to spend money on premium than later tear your hair out because of bungling some summer resident, or, most importantly, because of their own missteps.
way, the history of Bodryakinym. Ideally, it would have to look like. Obschestvennitsa instead conduct round the clock (and futile) to monitor, to examine the conditions of insurance of some large company. Anyway it has nothing to do. Then held to raise awareness among residents entrance. Those, in turn, would have insured her amicably property from possible risks, and thus would have received from the company's substantial discounts on insurance rates (the prize for the mass). By the way, more profitable to insure directly from a "package of risk" (ie from several at once), than from each separately. As we remember, especially hard-hit neighbor Bodryakina the 11 th floor "nedostrahoval" quite a bit - finishing flat against the risk of the bay. And to top it all residents of the ideal home would have insured their civil liable to indemnify each other in civilized way, not by the massacre, as it sometimes happens. Happened, the culprit could be gently reassure the victim, while he himself would call your insurance company, complained about the incident "proruhu" and decided it would be to everyone's satisfaction.
In short, citizens, let us not tremble for their neighbors and precious wallpaper and fancy ceilings, nervously listening for buzzing a water pipe. Let's go another way. If so, we found the money to do good repair, you probably will be found and the conditional 1%, so this repair to be covered.
Source: http://myhouse.ru/
0 comments:
Post a Comment