Renovierungen bei Ihren Nachbarn – ein Risiko für Ihre Wohnung: Deckt die Versicherung die Folgen ab?

Renovierungen bei Ihren Nachbarn verursachen oft Unannehmlichkeiten: Wir sprechen nicht nur von Lärm, sondern auch von möglichen Überschwemmungen, Rissen und elektrischen Problemen. Erfahren Sie, in welchen Fällen die Versicherung die Folgen von Renovierungen bei Ihren Nachbarn abdeckt und wie Sie in nur wenigen Minuten eine Police abschließen können.

Wohngebäudeversicherung gegen Schäden, Zerstörung und Diebstahl

KAUFEN

Renovation work at neighbours' homes is often associated with noise and dust. However, for apartment owners in Ukraine, this is not only a source of discomfort, but also a real threat to their property. From trivial flooding to serious cracks in the walls, the consequences of careless renovation can be devastating. This raises a logical question: does insurance cover the repairs of neighbours, and who will compensate for the damage? Let's figure it out.

Why are repairs at your neighbours' a threat to your home?

Even the simplest repairs can lead to unpredictable situations. Typical consequences include:

Flooding: Repairs at a neighbour's and, as a result, flooding are the most common ‘surprise’. This can happen due to damage to water pipes, heating systems or sewage systems during dismantling or installation of new equipment. For homeowners, this means damaged ceilings, walls, floors, furniture and appliances in the apartment.

Cracks in walls: The use of heavy equipment, dismantling load-bearing structures without proper permission or excessive vibrations can cause cracks in the walls of your apartment. In the worst cases, this can threaten the integrity of the building.

Damaged electrical wiring: Incorrect connection of electrical appliances, overloading the network or damage to electrical wiring during repairs can cause short circuits and power surges, which can lead to the failure of your household appliances or even a fire.

Who is liable for damage? According to Ukrainian law, the person who caused the damage is liable for damage to the property of third parties. This means that if your neighbours damage your apartment during repairs, they must compensate you for the damage. However, in practice, it can be difficult to obtain compensation, especially if your neighbours refuse to admit their guilt or do not have sufficient funds. That is why the question ‘Who will compensate for the damage caused by neighbours?’ is very acute.

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In what cases can property insurance help?

Apartment insurance is your financial protection against unforeseen circumstances. Property insurance can greatly ease the situation if your apartment has been damaged due to repairs carried out by your neighbours.

What is considered an insured event?

An insured event is an event upon the occurrence of which the Client or their family receives monetary compensation in accordance with the insurance contract.

What types of insured events are there?

– natural disasters (lightning strikes, fires caused by lightning, storms, hurricanes, etc.);

– domestic incidents (fire, gas leaks, smoke, flooding, etc.);

– unlawful acts of malicious persons (damage to property, theft, robbery, etc.).

What insured events are covered by the policy with military risk coverage?

– missile strikes;

– strikes by UAVs and drones;

– explosions of ammunition and mines;

– damage caused by terrorist acts.

What is not covered by insurance?

It is important to understand that not all situations are covered by insurance:

Intent or systematic violations: If it is proven that neighbours intentionally caused damage or their actions were systematic in nature (for example, they ignored the need to repair outdated communications for years, despite being warned), the insurance company may refuse to pay.

Lack of supporting documents: Without proper documentation of the damage and documents confirming the cause, it will be extremely difficult to obtain compensation.

Property insurance in Ukraine is a simple way to protect yourself from unexpected expenses. You can take out insurance online on the Visit Ukraine portal in just a few minutes.

What to do if your apartment has been damaged due to renovation work at your neighbours?

Quick and correct actions will help you avoid problems with receiving compensation:

Record the consequences: Immediately take photos and videos of all damage. Take as many detailed photos as possible: general view, individual areas, extent of damage. This is the main evidence.

Call an insurance company representative/expert/appraiser: If you have a valid policy, immediately notify your insurance company of the insured event. They will send a representative to assess the damage. If you do not have a policy or want an independent assessment, call an independent expert appraiser.

Contact your neighbours and the housing office/homeowners' association: Be sure to inform your neighbours about the incident. Ask a representative of the housing office or homeowners' association to draw up a damage report. The report should describe in detail what happened, the nature of the damage and the probable cause.

If you already have a policy, you will not have to decide on your own who will compensate your neighbours for the damage and how much to pay — the insurance company will cover the costs in accordance with the contract, ensuring compensation for damages from your neighbours. This is one of the most important aspects of insurance claims in apartment buildings.

How to insure an apartment?

On the Visit Ukraine portal, you can take out express insurance online without an inspection of the property or real estate documents. All you need to take out insurance is your passport and tax identification number (even tenants can do this).

1. Select the sum insured and the start date of the policy.

2. Fill out the form with information about the property (address) and the person insuring the property (full name, date of birth, passport details, tax identification number, contact phone number and email).

3. Agree to the terms of the contract and confirm the registration (using a special code that will be sent to your email).

4. Pay for the insurance in a convenient way.

5. Receive the finished apartment insurance policy at the specified email address.

Don't wait — insure your apartment now at Visit Ukraine and sleep peacefully!

Take out home insurance for the summer and return home without any ‘surprises’. You can buy a policy right now!

Photo: Freepik

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